There are three types of loans, namely, ordinary loan target, online loan target and accounts receivable guarantee target. The loan conditions of these three objects are different. The following is the borrowing situation of various targets:

1. Ordinary loan target: Chinese mainland citizens aged 2 1~55, with real mobile phone numbers and stable income sources.

2. Online loan target: Chinese mainland citizens aged 2 1 ~ 55 need to complete the real-name association of Alipay, with an annual consumption of not less than 2,000 yuan and a stable income source.

3. Guarantor accounts receivable: Chinese mainland citizens aged 2 1 ~ 55 years old, who are the lender users of the auction loan, have a loan credit of more than 20 points, are associated with 1 a third party and have a stable income source.