Maximum credit line of Agricultural Bank of China = N-year discount coefficient of annual income recorded by the system-total credit of other institutions.

The rigid deduction formula of ABC is to determine the maximum credit line according to the cardholder's annual income and the total credit of other institutions. The annual income recorded in the system refers to the cardholder's annual income information recorded in the Agricultural Bank of China. According to this income information, multiply it by the reduction factor of n years to get the reduced annual income. The choice of reduction factor is 2 or 3, which depends on ABC's policy. Subtract the cardholder's total credit in other institutions from this reduced annual income, and get the maximum credit limit given by ABC.