1. repayment guarantee: the fixed assets owned by the cardholder can be used as repayment guarantee, collateral or repayment source to ensure the cardholder to repay on time.

2. Credit evaluation: Fixed assets can also be used as one of the reference factors to evaluate the credit value of cardholders. Cardholders have higher value of fixed assets, which means that they have higher credit rating and the ability to bear higher credit limit.