You don't have to pay interest as long as you don't use it. This practice can be called credit preposition. With the credit pre-position, enterprises will be prepared for a rainy day and will not be desperate when they need money urgently. What's more, enterprises need financial leverage to become stronger and bigger, even if they are not short of money, they need to find money. According to the relevant person in charge of Tailong Bank, this pre-credit method is more suitable for enterprises with obvious periodicity.