1. Concept: anti-aircraft guns refer to usury. If the interest rate agreed by both parties exceeds 4 times the quoted interest rate of the one-year loan market when the contract is established, it is deemed as usury. A bill is an iou, which is usually written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated on the iou.
2. Interest rate and term: the interest rate of antiaircraft gun online loan is higher and the loan term is shorter. The interest rate of bills is higher than that of APP loans, and the term is shorter.