Li Zhe Loan is the first Internet micro-credit product launched by Zhejiang Rural Credit Cooperatives. Mainly for farmers, individual industrial and commercial households and small and micro enterprise owners. After meeting the loan conditions of Li Zhe, Zhejiang Rural Credit Cooperative, they can log in to mobile banking to apply. Li Zhe loan is a kind of loan without mortgage and guarantee, which is automatically rated by the system. At the same time, the Li Zhe loan of Zhejiang Rural Credit Cooperative is valid for three years.

It is suggested to apply for loans through formal channels: for example, Agricultural Bank of China (ABC), the definition of Netjet loan refers to the small consumer loans granted by ABC to individual customers who meet certain conditions in cash, and the customers apply for them themselves, receive them quickly, automatically approve them, and use their own letters.