(1). Products or projects expressly prohibited by the state.

(2). Violating relevant national regulations to engage in equity investments, using credit as registered capital for capital verification and share increase Expanding shares.

(3). Violating relevant national regulations to engage in investments in stocks, futures, financial derivatives, etc.

Credit refers to:

(1) Funds provided directly by commercial banks to non-financial institutional customers, or guarantees for compensation and payment responsibilities that may arise from customers in relevant economic activities.

(2) Including loans, trade financing, and bill financing , financial leasing, overdrafts, various advances and other on-balance sheet businesses, as well as bill acceptance, issuance of letters of credit, letters of guarantee, standby letters of credit, letter of credit confirmations, bond issuance guarantees, loan guarantees, asset sales with recourse, Off-balance sheet operations such as unused irrevocable loan commitments.

(3) Simply put, credit refers to the act of a bank directly providing financial support to a customer, or guaranteeing a customer's credit in relevant economic activities to a third party.

Credit is divided into short-term credit and medium- and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium- and long-term credit refers to credit for more than one year.