With the goal of restoring confidence in borrowers shaken by last year’s private lending crisis, Yueqing United Rural Bank’s “sunshine credit” policy emphasizes transparency in its loan application process. In addition, its “happy credit” program relaxes requirements for repayment and guarantors, allowing customers to repay in installments and re-use collateral for additional loans. In an interview, Yueqing United Rural Bank director Wu Daming said that the measures give villagers an added sense of security, increasing their confidence to borrow.