Cloud business loan is a loan product of Shenzhen Rural Commercial Bank. This product is an online financing product of Shenzhen Rural Commercial Bank's interaction project with Shenzhen Taxation Bureau, which is based on tax data, oriented to private and small and micro enterprises with stable production and operation and good tax credit, and takes enterprise legal person as the application subject. Zhejiang Rural Commercial Bank also has a product called "Cloud Commercial Loan", which is a pure online and pure credit loan product for individual industrial and commercial households, with the characteristics of automatic approval, one-click lending and on-demand lending. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.