The "Easy" business launched by China Merchants Bank is aimed at individual industrial and commercial households and small and micro business owners. In this project, China Merchants Bank will not inquire about the applicant's personal or corporate credit records. Credit investigation is a Chinese vocabulary, which refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.