1. Undergraduate, master's and doctoral graduates from well-known institutions of higher learning have obtained graduation certificates and degree certificates, and their conduct is good.

2. The borrower has signed a tripartite employment agreement and labor contract with the employer, and has gone through the employment formalities formally.

3. The borrower's employment unit has a good reputation in the industry, with relatively stable salary or labor income and low turnover rate. Mainly includes:

(1) government departments and their affiliated institutions.

(2) State-owned enterprises in key industries such as finance, energy, posts and telecommunications, communications, transportation and information technology.

(3) Public institutions of higher learning, public primary and secondary schools, etc.

(4) National tertiary hospitals.

(5) branches of high-quality multinational enterprise groups that continue to make profits in China.

(6) Other enterprises and institutions with stable working income.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.