1. A stable job and normal contribution to the provident fund in Hangzhou;

2. The user's monthly contribution to the provident fund is more than 500;

3. The borrower has a debit card from Hangzhou United Bank;

4. The borrower has a good credit score and a stable income.

Zheli Loan" is a pure online loan product utilizing big data technology, relying on government public **** data such as provident fund, tax, industry and commerce, credit report of the People's Bank of China, as well as customer data accumulated by Zhejiang Farmers' Credit for 10 consecutive years of "going to thousands of homes to visit 10,000 households," and it is the first pure online loan product of Zhejiang Farmers' Credit. It is the latest achievement of the construction of "Harvest Credit" and "Digital Inclusion".

Zhejiang Rural Credit Union was founded in 1952, through the people's commune management, the national bank trusteeship and other historical stages, in 1996 and 5 agricultural bank decoupling, handed over to the People's Bank of China, the banking supervision management.

60 years of wind and rain journey, 60 years of reform and development, zhejiang rural credit system has gone through a very extraordinary entrepreneurship, reform, development road.

Since the rural credit unions to the provincial government management, in the provincial party committee, under the direct leadership of the provincial government, in the People's Bank of China, Banking Supervision, finance and other relevant departments of the strong support, Zhejiang Agricultural Credit Union, unity and leadership of all cadres and employees of the Zhejiang Agricultural Credit System, in order to serve the development of across the service, services, the "three peasants" and small and medium-sized enterprises, the welfare of people's livelihood, dedication to society as its responsibility. People's livelihood, dedication to society as its own responsibility, seize the opportunity, pioneering and innovative, and realized the perfect transmutation from the "ugly duckling" to the "golden phoenix". At present, Zhejiang Province Agricultural Credit Union set up offices in the province's 11 cities, under the jurisdiction of 38 counties (cities, districts) Agricultural Credit Union, 40 rural cooperative banks, 3 rural commercial banks, *** more than 4,200 outlets, more than 43,000 employees, has become the province's largest number of outlets and practitioners, the widest range of services, the largest funds, comprehensive, multi-functional local financial institutions.

"Eleventh Five-Year" period, in the provincial party committee, under the correct leadership of the provincial government, zhejiang agricultural credit system always adhere to the service "three rural" and small and micro enterprise business direction, and continue to promote the construction of the rural credit system, the introduction of harvest microfinance card and other major innovative financial products, and actively transform the development of financial institutions. Innovative financial products, and actively transform the development mode, to achieve a big leap forward, great development. By the end of 2011, the province's agricultural credit system deposit balance of 893.127 billion yuan, ranking No. 1 in the province's banking industry; the loan balance of 639.660 billion yuan, ranking No. 2 in the province's banking industry. assumed one-half of Zhejiang Province's agricultural loans and nearly one-quarter of the small business loans, support for agriculture and support for small loans stock, the incremental increase in the past year, the coverage of the service ranked first in the province's banking industry.

"Twelfth Five-Year Plan" period, the Zhejiang Agricultural Credit System will be the in-depth implementation of the "one road, two revolutions" strategic concept, to play "Zhejiang Agricultural Credit" brand, to build itself as a service to the "three rural". become the main bank to serve the "Three Rural Areas", the partner bank to support small and micro-enterprises, the convenient and fast community bank, the distinctive bank with distinctive personality, the safe bank with steady operation and the harmonious bank with coordinated development, further promote the integrated development of urban and rural areas, fully support the transformation and upgrading of rural economy, and contribute new strength to the leapfrog development of Zhejiang rural economy from a new starting point. development of Zhejiang's rural economy in a new starting point to contribute new strength.