Through the online operation of the platform, the loan financing efficiency is more efficient, which reduces the problem of excessive dependence of banking institutions on collateral.

Credit refers to the form of value movement on the condition of repayment and interest payment. It usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans, which is the same as "credit" in a broad sense. Credit is an important form of paid mobilization and allocation of funds in socialist countries and a powerful lever for economic development.