According to the regulations, the principal of the unit entrusted loan can be a natural person or a legal person. For natural person clients, it is required to have independent capacity for civil conduct, that is, the ability to fully exercise rights and assume responsibilities. For the legal person client, it is required to have an independent legal person qualification or obtain a valid legal person written authorization. This means that the legal person's client must be a legal person who has obtained legal status through legal registration, or a client expressly authorized by the legal person's power of attorney.