It’s a loan. Yidai Card is mainly aimed at people who have loan applications. They can apply online, and the credit limit is relatively high. The interest-free period is higher than that of a credit card, so it is a loan. Sheyang Rural Commercial Bank's "Jinhe Micro-Easy Loan" business is launched for enterprises that have resumed work and production, and is used to solve the working capital needs of enterprises in the process of production and operation.