In Chongqing, the credit loans that can generally be applied for include Citigroup Happiness Loan, CreditEase Pleasant Loan, Ping An Bank Credit Loan, Guanqun Galloping Wage Loan and so on, which have become the main types of microfinance promoted by major banks and microfinance institutions. As long as the applicant has a stable job and income, has a certain repayment ability, and has no bad credit record in the bank, he can basically get a certain amount of credit loan, and the amount applied for is generally 3-65438 of the monthly income.