Dida Insurance launched "SME Mortgage Guarantee Insurance" to underwrite the credit of enterprises themselves. If the enterprise maliciously defaults or is unable to repay the bank loan, the bank will auction the mortgaged materials. If the collateral is insufficient to repay the loan, the insurance company will repay it on its behalf. Therefore, enterprises can increase the amount of loans to banks by taking out this kind of insurance.

The premium rate of this type of insurance is 2% of the insured amount, plus the bank interest of the loan, and the total financing cost does not exceed 10%. This kind of insurance is actually equivalent to the insurance company playing the role of a guarantee company, providing credit guarantee for the bank loan of the loan customer.