Haiju Xinda implements a strict credit review system and risk control system. The reasons for failure are as follows:

1. The basic application conditions are not met, Chinese citizens, males aged 21-60 1 year old; female between 21 and 55 years old;

2. Work and live in the place of application for no less than 6 months;

3. Repayment ability Insufficient and large debts;

4. Unstable work and income;

5. Failure to provide audit information as required;

6. The overall score does not meet the standard .