# 信用贷款

## 概览

`CreditBroker` 是一个基于 LendingBroker 模式构建的专门的固定期限、固定利率借贷经纪人，并通过信用限额门控进行了扩展。

它使 Lista DAO 能够提供贷款，其中用户资格和借款能力来自于链下信用评分，通过 Merkle 根在链上表示。

与标准的以抵押品为基础的 Moolah 市场不同，信用贷款使用 `CreditToken` 作为抵押品表示：

* `CreditToken` 是不可转让的。
* `1 CreditToken = 1 单位的信用限额 = 1 USD 借款能力`。

## 内容

* [贷款生命周期](/zh-cn/kai-fa-zhe-zhuan-qu/credit-loans/loan-lifecycle.md)
* [坏账处理](/zh-cn/kai-fa-zhe-zhuan-qu/credit-loans/bad-debt-handling.md)
* [智能合约](/zh-cn/kai-fa-zhe-zhuan-qu/credit-loans/smart-contract.md)


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.bsc.lista.org/zh-cn/kai-fa-zhe-zhuan-qu/credit-loans.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.