1, 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is generally between 18-60 years old;

2. 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;

3. The purpose of the loan is clear and legal;

4. The loan application amount, term and currency are reasonable;

5. The borrower has the willingness and ability to repay;

6. The borrower's credit status is good and there is no significant bad credit record;

7. Other conditions required by the lender.

The lender shall establish a reasonable control mechanism of the borrower's income and debt repayment ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each period not to exceed its repayment ability.

"Interim Measures for the Administration of Personal Loans" Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) The income of the borrower;

(3) the purpose of the loan;

(4) The source, ability and method of repayment of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.

Article 16 On the premise of not damaging the legitimate rights and interests of the borrower and controlling risks, the lender may prudently entrust a third party to handle some specific matters in the loan investigation, but the qualifications of the third party must be made clear.

The lender shall not entrust all matters of loan investigation to a third party.

Nineteenth loan risk assessment should be based on the analysis of the borrower's cash income, using quantitative and qualitative analysis methods to conduct a comprehensive and dynamic loan review and risk assessment.

The lender shall establish and improve the borrower's credit record and evaluation system.

Article 39 With the consent of the lender, individual loans may be issued.

For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.