In China, banks are the first choice for most people to borrow money, and because retired soldiers have excellent will quality, excellent discipline, teamwork ability and sense of social responsibility, their loan repayment integrity is relatively high. Banks have a strong approval for loans to people with military discount cards, and the pass rate is very high. Therefore, soldiers holding military discount cards can also enjoy exclusive loan products such as provident fund loans and preferential loans issued by banks, with lower interest rates and more favorable repayment methods.