It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the requirements of the General Principles of Loans and banking regulations.

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee.

Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.