Online loan refers to a kind of loan business in which ICBC and the borrower sign a revolving loan contract at one time online, and within the amount and validity period agreed in the contract, the borrower can make repayment through online self-withdrawal, and allow the borrower to make multiple withdrawals, return them one by one and recycle them. Online loans include "ordinary personal online loans" and "e-to-fast loans". Among them, "e-quick loan" refers to the online loan in which the borrower takes the high-quality real estate in a specific area (hereinafter referred to as the real estate in a specific area) as collateral.