1. Convenient application-You can apply for a loan through e-banking anytime and anywhere without submitting paper materials. 2. No guarantee-pure credit, no mortgage, no guarantee. 3. Quick approval-automatic approval and immediate results. 4. The amount is as high as 6,543,800 yuan. 5. Term life-the longest withdrawal period 12 months, and the longest loan period is 36 months. The loan term is optional. 6. Low cost-no bid fee is required; Loans will be issued jointly when money is used, and no interest will be generated when loans are not used. 7. Free repayment-self-help with partial or full prepayment and due repayment at Bank of Communications outlets or e-banking anytime and anywhere. 8. Flexible use-credit cards can be used, and the "initial loan amount" of POS credit cards can be set independently; At the same time, it supports small cash withdrawals. Whether to open the cash withdrawal function shall be subject to the provisions of the local branch.