Xiaoying Card Loan is a micro-credit service platform under Xiaoying Technology, a company listed on NYSE. Xiaoying Card Loan cooperates with banks and other financial institutions to help individuals, self-employed individuals and small and micro enterprises with loan needs solve the capital problem, open up the "last mile" of capital services to the real economy, and improve the service efficiency of inclusive finance. Xiaoying Technology takes Internet technologies such as big data, cloud computing and artificial intelligence as the core, takes inclusive finance service as the main track, and unites various financial partners to become an "ideal helper" for individuals, self-employed individuals and small and micro business owners, a "technology enabler" for various financial institutions, and a "inclusive practitioner" with more depth and breadth.

Opening Yuexiang Card with Xiaoying Card Loan means that the personal qualification meets the requirements and the quota can be given. The line refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual. This amount will be determined unilaterally by the bank because of income, income, debt ratio, work content, company, company position, property and so on. This kind of lending relationship is usually that banks lend money to natural persons. On the other hand, it is usually necessary for commercial organizations and transnational exchanges to lend money to organizations.