The credit lock-in period is a commitment made by the bank to the customer, and the credit authorization is based on the customer's past credit record and performance.

When a borrower applies for a loan from a bank, the bank will evaluate the borrower's credit status, repayment ability and other relevant factors. If the borrower meets certain conditions and has a good repayment record and financial strength, the bank will agree to provide it with a certain amount of or re-lending funds, and this part of the funds will be deemed to have been locked for a period of time. This lock-in period is the so-called "credit lock-in period".