They are different. Loan cards are used by enterprises to handle credit business and acceptance business with banks, and can prove and record the creditworthiness of the enterprise. When the enterprise needs to handle it, it can handle it when it has business; if it doesn't, it doesn't need to be handled. The Institutional Credit Code Certificate is the enterprise's ID card. Enterprises and institutions must apply for the Institutional Credit Code Certificate at the same time as they open a basic account in the bank. Only when the Institutional Credit Code Certificate is issued can the basic account opening license be issued simultaneously.