Refers to the RMB loans issued by the Postal Savings Bank to eligible loan applicants (including individual industrial and commercial households, small and micro enterprises (owners) or actual controllers, etc.). Entities engaged in legitimate production and business activities, and loan applicants subscribe for part of the funds in the form of mutual insurance funds to form a pool of funds to provide guarantees for their loans in the Postal Savings Bank.

To put it simply, a group of borrowers contribute a certain amount of guarantee money to form a pool of funds as the guarantee money for loans to the Postal Savings Bank, which will bring you the money according to the deposits. The loan amount is generally 5 to 10 times of the deposit.