Settlement loan refers to the loan obtained from the bank to offset the funds occupied in the settlement process when the enterprise sells products in different places. "Tax loan" is a loan based on tax credit, so it is also called "tax credit loan".

We know that traditional loan products have high interest rates or low quotas, and they need collateral and pledge with certain conditions. The loan application process is complicated, and it will take some time to wait for the funds to arrive after approval. Small and micro enterprises have difficulty, slow and expensive financing because of backward management level, opaque financial situation and lack of collateral in applying for loans. The following characteristics of tax loan can be said to accurately solve these problems: first, tax credit is used as a bargaining chip, and collateral and pledge are not needed to apply for loans; Second, online authorization speculation, bank lending speed is fast; Third, Pujin financial products, with high credit line and low loan interest; The fourth is big data security management, government funds guarantee, and the application for loans is safe and secure.