There is no order of application

Credit loans, operating loans, and reserve funds are different concepts. The applications for each other do not interfere with each other, and there is no serious relationship, so don’t worry about it. Application order.

Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. Business loans are financing products that serve small and medium-sized business owners or self-employed individuals. Borrowers can obtain bank loans through real estate mortgages and other guarantees, and the loan funds are used for the business needs of their businesses or self-employed individuals. The reserve fund is a reserve amount allocated by the enterprise to the enterprise's internal fund-using units or individual employees for sporadic expenses. The reserve funds allocated by the enterprise can, according to management needs, adopt a one-time reserve fund or fixed reserve fund system, and be accounted for in the "Other receivables - reserve funds" detailed account.