1. Credit loans are included in personal credit reports.

2. The conditions required for personal credit loans are as follows: Chinese citizens with fixed residence in China, permanent residence in local cities and towns, and full capacity for civil conduct;

3. Have a legitimate and good occupation with stable economic income, and have the ability to repay the principal and interest of the loan on time;

4. Abide by laws and regulations, have no illegal activities or bad credit records;

5. Be employed in industry and commerce The bank has obtained a personal credit rating of A- or above;

6. Open a personal settlement account at ICBC;

7. Other conditions specified by the bank.