Legal analysis: 1. The applicant or his agent shall apply to the handling bank before the outbreak is released (the time for the outbreak to be released shall be subject to the notice of national, provincial and municipal documents), and the handling bank shall inform the applicant of the required information at one time, and complete the audit of the completeness and authenticity of the information within 5 working days after the information is complete;

2. After passing the examination, submit an application for examination to the Municipal Labor Employment Service Management Center;

3. The Municipal Labor and Employment Service Management Center shall complete the examination and approval within 5 working days and inform the handling bank, which will inform the applicant of the examination and approval.

Legal basis: Article 11 of the Interim Measures for Personal Loans in People's Republic of China (PRC) shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.