The difference between Nanjing Hello E loan and Xinyi loan lies in the following aspects: the credit object, interest rate and quota are different. Among them, "Hello e-loan" is a pure online personal credit loan for applicants who normally pay the housing provident fund, and provide a certain unsecured credit line within the agreed credit line and time limit to meet their personal and family consumption. "Easy Credit Loan" is an innovative inclusive finance product with credit as the core element. The key point is to solve the problem of information asymmetry between banks and enterprises by strengthening the collection and enjoyment of credit information, and to urge and guide financial institutions to increase their support for small and medium-sized micro-enterprise credit loans.