Legal analysis: CCB's business is called "cloud tax loan" and Ping An Bank's is "tax loan". To apply for a cloud tax loan, the following conditions must be met: good credit status; Chinese mainland residents (excluding Hong Kong, Macao and Taiwan); Personal financial assets of China Construction Bank (including deposits, wealth management, etc.). ); The enterprise has paid taxes in good faith in the past 24 months, and there is no serious breach of trust recognized by the tax authorities according to law. In the past 12 months, the accumulated tax payment was more than 30,000 yuan (inclusive).

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.