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Shanghai loans: what is credit?

What is a credit?
a: credit refers to loans issued to borrowers with credit, borrowers are not required to provide security. Which is characterized by the debtor without providing collateral or third-party guaranteed its credibility alone to obtain loans, and the creditworthiness of the borrower as repayment guarantee. This credit is the main lender banks for a long time. Because of the way the loan riskier, generally on the borrower's economic benefits, management level, for detailed investigation of the prospects, in order to reduce risk. Since 04, due to the country to relax policy, microfinance industry has grown rapidly in the country, which they believed was one of the earliest and largest microfinance institution, has dozens of outlets in the country, credit is relatively good.
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