Risk control, banking strategy.

1. Risk control: A shorter loan period of one year helps reduce the bank’s risk. The longer the loan period, the greater the risk that the borrower’s repayment ability and credit status may change. are large, so banks are usually more willing to provide short-term loans.

2. Bank strategy: Banks formulate loan product strategies based on market demand and competition. There is a large demand for short-term loans in the market, and the bank will design Huiyin e-Loan as a one-year product. , to meet market demand.