1. The loan thresholds are different. Banks have high loan thresholds, while small loan companies have low loan thresholds.

2. Loan interest rates are different. The loan interest rates of banks are low, while the loan interest rates of small loan companies are high.

3. The lending time is different. The lending time of banks is slower, while the lending time of small loan companies is faster.

4. The loan procedures are different. The loan procedures of banks are more complicated, while the loan procedures of small loan companies are relatively simple.

5. With the same personal qualifications, the loan amount is different. Generally, the loan amount that can be applied for in a bank is lower, while that of a small loan company can be applied for a higher amount.

6. Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. one. China's four major banks refer to the four large state-owned banks directly controlled by the state (Ministry of Finance, Central Huijin), specifically including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank (Industrial, Agricultural, and Commercial Bank of China, (China Bank), also known as the four major central banks, represents the strongest financial capital in China.