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BOC e-loan can only be used for personal reasonable and legal consumption expenditure, and cannot be used for various investment purposes such as investing in stocks and funds. Uses include daily consumption, education, decoration, medical care, car purchase, travel and marriage.

BOC e-loan is a personal online consumer loan launched by China Bank, so it is both an online loan and a consumer loan. The online loan is characterized by online application in the whole process, without offline signing.