Yes According to the inquiry of Agricultural Bank of China, official website, online loans have specific requirements for borrowers, including the need to use the second-generation K-Bao, a security authentication tool issued by Agricultural Bank of China. The borrower must be at least 18 years old and hold a valid ID card. At the same time, he must have a good credit record, no overdue loans and overdue credit cards, no continuous overdue for more than 30 days within 2 years, and no more than 4 overdue times. If the borrower does not meet these conditions, the application will be rejected even if the K order is entered.