If users need to handle financial services such as loans or credit cards in rural credit cooperatives, rural credit cooperatives have the right to audit users. Usually, users need to be 18 to 65 years old, have valid identification, have stable work and repayment ability, and have good personal credit information to pass the audit.

Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.