You can try to apply for a loan through China Merchants Bank. There is no prophase. If you are already a user of China Merchants Bank and downloaded the mobile banking app of China Merchants Bank, you can try to log in to mobile banking, and my-all-loan-I want to borrow money to try; Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results. Non-China Merchants Bank Card (without China Merchants Bank) can try to apply for "e-loan", and it is necessary to download the operation of China Merchants Bank Pocket Life APP, review it online, and lend money in 5 minutes at the earliest; Or apply for "e-flash loan" (there is no China Merchants Bank card, but there is China Merchants Bank in the local area). E flash loan requires staff to collect information at home, and the application speed is very slow.

2. How can I borrow money quickly if I am under 20 years old but over 18 years old? Are you in a hurry?

If it is handled through China Merchants Bank, our bank stipulates that the lender must be at least 18 years old, and the age plus the loan period should not exceed 70 years old.

If the application amount is less than 50,000 yuan, you can log in to our mobile banking first, click "My"-"All"-"I want to borrow money" to try to apply through this interface, or apply for a loan through a credit card; Log in to Pocket Life, click the card finance-petty cash-apply now below, and try to apply for petty cash here according to the audit results.

3. What is the legal definition of16 above 18 below?

A natural person who is over 16 years old but under 18 years old can use his own labor income and maintain the general living standard of the local people, and can be regarded as a person with full capacity for civil conduct, and his main source of livelihood is his own labor income.

Citizens aged 18 are adults, and those aged 16 but under 18 are minors. According to relevant laws and regulations, adults will be convicted and sentenced for committing crimes. Juvenile delinquency is not as serious as adult delinquency.

A person who has reached the legal age of 16 and has a source of income to support himself can also be regarded as an adult.

Article 17 of China's Criminal Law stipulates that a person who has reached the age of 14 but under the age of 18 commits a crime shall be given a lighter or mitigated punishment.

Extended data:

General principles of civil law in People's Republic of China (PRC)

Article 17 A natural person who has reached the age of 18 is an adult. A natural person under the age of eighteen is a minor.

Article 18 An adult is a person with full capacity for civil conduct and can independently carry out civil juristic acts. Minors over the age of 16 whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.

Article 19 Minors over the age of eight are persons with limited capacity for civil conduct, and they are represented by their legal representatives or approved and ratified by their legal representatives, but they can independently carry out civil legal acts that are purely beneficial or suitable for their age and intelligence.

Article 20 Minors under the age of eight are persons without capacity for civil conduct, and their legal representatives shall act as agents to carry out civil legal acts.