1. Age requirement: The borrower must be 18-60 years old and have full capacity for civil conduct.
2. Credit requirements: The borrower's credit status is good, and there are no bad credit records such as illegal breach of contract, overdue and high debt.
3. Job requirements: The borrower's work unit or habitual residence should be in the location of the loan issuing institution.
4. Income requirements: The borrower must have a fixed job, a stable income source or a reliable repayment guarantee, and have the ability to repay on time. 5. Other requirements: The borrower shall provide the Class I and Class II savings cards in his name, apply for loans through ICBC mobile banking, online banking and other online channels, and also provide a U shield or password device bound by counter registration.