(1) China citizens who have reached the age of 18 and have full capacity for civil conduct.

(2) Have the ability to repay the principal and interest, and have no bad credit record.

(3) Personal foreign exchange wealth management products have been purchased from Minsheng Bank, and the products are allowed to be pledged.

(4) The borrower and the pledger are the same person.

(5) Proof of the legality of foreign exchange sources.

(6) Meet other conditions stipulated by Minsheng Bank.

● Loan amount, term and interest rate:

1. Loan amount:

Loan amount = foreign exchange financing principal? Exchange rate? Pledge rate, the minimum loan amount is RMB 6,543,800+0,000 yuan. These include:

(1) exchange rate: converted according to the exchange rate (median price) on the day before the approval date.

(2) Pledge rate: it shall be implemented according to the pledge rate specified by each product.

2. Term of the loan:

The longest is not more than one year.

3. Loan interest rate:

In accordance with the provisions of the People's Bank of China, the loan interest rate for the same period and the same grade shall be implemented, and may fluctuate within the prescribed scope.

4. Repayment method:

The loan pays interest on a quarterly basis and repays the principal at maturity.

● Business process:

1. Borrower's application.

2. Bank investigation and approval.

3. Sign loan contracts and pledge contracts.

4. Loan issuance.

5. The legal procedure of automatically freezing the customer's wealth management funds and realizing the pledge of rights and interests.