The Yellow River E loan is the same as the village credit. As long as farmers join the information collection, credit rating and credit line of the whole village in the local rural commercial bank, they can help themselves with loans, repayment, transfer and settlement on their mobile phones at any time and place through the online product of "Yellow River e-loan", which effectively solves the pain points and difficult problems of farmers' industrial development. If the loans are calculated on a daily basis, if they are not used, they will not generate interest expenses, thus truly transforming the achievements of the whole village credit into "truth" that supports farmers' development and production.