Personal Short-term petty loan is referred to the RMB unsecured loan with no need for guarantee provided to the borrower by the lender, used for meeting the temporary consumption needs, the term of which shall be within 1 year and the quota shall be less than RMB 20,000 Yuan.  

    小额短期信用贷款是指银行为解决借款人临时性的消费需要发放的期限在1年以内、金额在2万元以下、毋需提供担保的人民币信用贷款。