1, which meets the following conditions:

(1) China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

(2) having a legitimate and stable economic income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records;

(3) Opening a personal settlement account in a lending bank (it is agreed that the borrowing bank will deduct the loan principal and interest from the personal settlement account designated by it);

(four) other conditions stipulated by the banks.

2 unsecured microfinance application process:

① Submit a loan application;

(2) Relevant materials for submitting loan applications;

(3) Submit the loan qualification to the lending institution for approval;

(4) The qualification examination has passed the risk assessment and quota accounting of the lending institution;

⑤ If the risk assessment is passed, the loan will be issued.