Generally speaking, bank loans are mainly used to check the credit information of users within five years. Jiujiang Bank, formerly known as Jiujiang City Commercial Bank, was formed by eight urban credit cooperatives in Jiujiang City. Therefore, according to the regulations, Jiujiang Bank's loan is also based on five years of credit investigation.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users.