The money in the Bank of Communications loan fund account can be used directly by taking it into the bank card. The credit fund account is a two-in-one account. The opening of margin financing and securities lending business requires investors to meet the half-year trading experience and the capital threshold of 500 thousand. Securities assets include cash, stocks, bonds and funds in general accounts. The risk assessment results show that Zhengrong is generally long and short, and it can distribute goods for short-term capital turnover and do intra-day T+0 trading. The financing cost can be less than 5.0%.