The former is to help customers who can't get loans from commercial banks because of lack of guarantee or mortgage to get small unsecured loans from cooperative banks quickly by providing personal credit guarantee insurance to customers. The latter should be called loan credit insurance, which means that the insurer guarantees the loan contract between banks or other financial institutions and enterprises to cover the credit risk of borrowers.

In order to ensure a good reputation before the loan, we must not default on bank loans, water and telephone charges, water, electricity and gas charges, and provide guarantees for third parties. If the third party fails to repay the loan on time, it will lead to a bad personal reputation.