In today ' s society, credit has become a common option for many, while among major banks, agricultural banks have become one of many, and the web-based lending products of agricultural banks have become one of the more popular products. Some believe that loans are an effective solution to the debt problem, while others believe that they will make the debt even more serious. So what is the product of AWN? We will analyse it from several angles。

Does the AWN loan look like a liability

First of all, from the loan itself. The essence of the loan is to borrow money, which is a good option for those who currently do not have sufficient funds to meet their consumption needs. In the area of financial management, one of the important roles of loans is to alleviate the crisis for consumers so that they can continue to meet their daily needs with borrowed money. On the other hand, there is a high level of access to fast-track agricultural loans, which can reach up to RMB 2 million, a good option for those with a certain asset base and a stable income。

The second is in the form of loans. The ease of application for fast-track loans from agricultural banks and the ease of their auditing criteria have led some to believe that this type of loan is not subject to asset liability and that it is at their disposal. But this is clearly wrong. Since applications for loans are subject to credit record verification, banks refuse loans if the client ' s financial position is insufficient to support repayments. If the loan is successful, the client still bears interest and other expenses, and therefore the loan liability is unavoidable, whether in terms of principal, repayment amount, repayment rate, repayment period, etc。

Finally, in terms of overall economic environment and consumption. In the current economic situation, prices were rising and many people were living in higher consumption. In these cases, many will opt for loans to solve the problem. However, before a loan operation can be conducted, it is necessary to assess its economic strength and it is only when it is determined that it is possible to take better measures to effectively escape the debt situation。

In the light of the above, the IAEM loan itself is a good one, but whether the liability is to be determined on the basis of the circumstances of the individual applicant for the loan and the individual ' s economic capacity, it is also necessary to make a clear analysis of the situation before the loan is made, so as not to exacerbate the debt by blind lending。