1. initiated by banks or financial institutions: wage loans are initiated by regular banks or financial institutions, which operate under the supervision of financial regulatory authorities, abide by national laws and regulations, and have certain strength and credibility.

2. For the working class: wage loans are mainly for the working class, with strong repayment ability and stable income sources, so the loan risk is relatively low.

3. Legality and compliance: In the process of developing salary loans, it is necessary to follow the national financial policies and regulatory requirements to ensure that the loan products are legal and compliant. At the same time, in the process of lending, financial institutions also need to abide by laws and regulations on customer privacy and information security.