The loan card is an unnecessary document for an enterprise to operate, and it is only needed for an enterprise to handle the financing and guarantee business of financial institutions. Under normal circumstances, even without annual review, it will not affect the operation of the enterprise, but it will affect the efficiency of financing. Without the annual loan card, no financial institution can handle credit business with enterprises. The card number of the credit card is generated according to the code certificate of the enterprise, which is unique in China. Its main function is to provide financial institutions with loan card numbers and inquire about the credit records and basic information of enterprises. You can set the inquiry password for the loan card at the People's Bank of China, otherwise others can inquire about your enterprise information through the bank as long as they know your loan card number or code certificate number, which will not play a confidential role.