(1) has full capacity for civil conduct, good health, strong credit concept, good credit status and no bad social and commercial credit records;

(2) Age 18 years old (inclusive) to 50 years old (inclusive), with local hukou;

(3) The loan is used properly and reasonably, the merchant has been in normal operation for more than 3 months, and the farmer has been in normal production for more than 65,438+0 years, and has the ability to undertake and repay the loan.