Petty consumer credit loans are consumer credit loans granted by the lender to borrowers with good credit standing to facilitate normal consumption, labor service and other fee payments.

The longest maturity of a petty consumer credit is one year.

The maximum borrowing limit of a petty consumer credit is temporarily set at RMB100,000.

To the interest rate for petty consumer credit loans, the interest rate for loans of the same grade set by the People's Bank of China applies. Upward fluctuation of the interest rate shall not surpass the range provided for by the PBC.

小额信用消费贷款是贷款人向资信良好的借款人发放的用于正常消费需求及劳务等费用支付的一种信用消费贷款业务。

小额信用消费贷款的最长期限为一年。

小额信用消费贷款的最高限额暂定为10万元人民币。

小额信用消费贷款执行中国人民银行规定的同档次利率。利率上浮不得超过中国人民银行规定的幅度。