1. Microfinance requires users to be China citizens who have reached the age of 18 and have full capacity for civil conduct, and citizens under the age of 18 are not allowed to open it.

2. Micro-loans are not open to students at school, even if they are students of the right age.

3. Good credit record. Credit will be opened only if there is no record of default.

4. Low debt ratio. In order to reduce the default rate, the debt ratio of users is also one of the factors to be considered. Generally speaking, when the asset-liability ratio is lower than 50%, the default rate of repayment will be considered low. When it is higher than 50%, the repayment pressure will be even greater.