You can apply for a small secured loan at the Human Resources and Labor Security Bureau where your account is located. The loan is fully subsidized by the government, which means it is interest-free. That is, the state pays the interest of loans to banks in the form of subsidies, but it bears the responsibility for breach of contract, and it is very small.

Article 12 of the Interim Measures for the Administration of Personal Loans: Lenders shall require borrowers to apply for personal loans in written form, and require borrowers to provide relevant materials that can prove that they meet the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall perform the duty of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.