Yiyidai can be borrowed and repaid at any time. The main user groups of Yiyidai are provident fund deposit customers, personal tax deposit customers, bank salary payment customers, mortgage customers and mortgage customers from other banks, etc. Qualified users can apply. Moreover, Minsheng Yidai is very fast in disbursing money, and it can be received on the same day.

1. Loan means that banks, credit unions and other institutions lend money to units or individuals who use the money, and generally stipulate interest and repayment dates. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Interest refers to the remuneration paid by the borrower to the lender for the right to use funds. It is the use price of capital (that is, the loaned principal) within a certain period of time. Loan interest can be calculated in detail through the loan interest calculator. In civil law, interest is the legal interest on principal.

2. "Borrow and repay anytime" means that customers who have obtained a personal revolving credit line from China Merchants Bank and signed relevant agreements can handle borrowing or repayment by themselves through electronic channels such as China Merchants Bank's online banking or telephone banking. The products include three functions: "self-service borrowing", "self-service early repayment" and the country's first "automatic early repayment". There is no fixed repayment plan for a borrow-and-pay loan, and the limit can be restored after the loan is repaid.

3. The interest calculation and settlement rules and interest calculation methods for deposit and loan businesses formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for filing and notified to customers; regional commercial banks and urban credit cooperative legal persons shall report Branches of the People's Bank of China and central branches in provincial (capital) cities shall register and inform customers; rural credit cooperatives and county cooperative legal persons may formulate interest calculation and settlement rules and interest calculation methods for deposit and loan businesses based on the actual conditions of the rural credit cooperatives in the counties where they are located, and report to the people Bank branches and central branches in provincial capitals (capital cities) shall be registered, and the rural credit cooperative legal persons shall notify customers.