1. Fumin Card is mainly issued by Shandong Rural Commercial Bank to farmers, urban residents and other natural persons. It has the functions of deposit and withdrawal, transfer and consumption of ordinary financial bank cards, and also has the function of micro-loan. According to the borrower's credit status, rural commercial banks give rating credit to borrowers on the premise of clarifying the purpose of loans, and verify the loan amount, term and interest rate. Borrowers can apply for revolving RMB loans at the credit signing outlets of Funong Card or through self-service channels in the same city. They combine micro-loans with debit cards and adopt card products with micro-credit function of debit cards.