A single loan in the personal loan of China Everbright Bank refers to the credit method that the lender issues and recovers the loan in one lump sum or in installments to the borrowers who meet the loan conditions. The longest loan period of this credit method is not more than 3 years, and it is not more than 1 year if it is guaranteed by natural persons or pays interest monthly and repays the principal at one time.

The credit granting methods of "personal business assistance loan" of China Everbright Bank can be divided into two types: single loan and line credit. "Credit line" refers to the credit way that the borrower can apply to the lender for a single loan by using the credit line several times according to the legally designated purposes within the maximum credit line and time limit determined by the borrower after the lender has approved the guarantee provided by the borrower.

Personal assistance loan of China Everbright Bank refers to the RMB loan issued by China Everbright Bank (hereinafter referred to as the "lender") to supplement the working capital required by social natural persons (hereinafter referred to as the "borrower").