The full name of this service launched by ICBC Shenzhen Branch is "Happy Personal Comprehensive Credit", which means that ICBC will grant credit lines to high-quality customers within a certain period of time based on the customer's credit status and the guarantee provided. , within the credit limit and period, customers can obtain personal loans from ICBC such as Happy Automobile Consumption, Happy Home Portfolio, Happy Education Assistance, Happy Study Abroad, Happy Insurance Policy Pledge, Happy Personal Pledge and Happy Personal Business Assistance, and the loans can Use it at any time, return it at any time, and recycle it.