1. age requirements: the applicant must be at least 18 years old and have full capacity for civil conduct.

2. Credit status: CCB's consumer finance application will evaluate personal credit, and a good credit record will help the application succeed. Applicants should maintain good credit and have no serious overdue records or default records.

3. Stable source of income: Since consumer financial products need to be repaid, the applicant should have a stable source of income, such as stable work or business income.