Legal analysis: Yes, you need to provide proof materials such as ID card, salary card, social security card and card payment bank account. General institutions are more likely to obtain loans from local microfinance companies.

Legal basis: General Rules for Loans of the People's Bank of China.

Article 1 In order to regulate the lending behavior, maintain the credit market order and protect the legitimate rights and interests of both borrowers and borrowers, according to the Law of the People's Republic of China on the People's Bank of China, the Law of People's Republic of China (PRC) Commercial Bank, the Law of China on Banking Supervision and Administration, the General Principles of the Civil Law, the Contract Law of People's Republic of China (PRC) and the Guarantee Law of People's Republic of China (PRC).

Article 2 The term "loan" as mentioned in these General Rules refers to monetary funds issued by financial institutions approved by the the State Council Banking Regulatory Authority, which serve the public and are conditional on repayment of principal and interest.

The term "loan business" as mentioned in these General Rules refers to the business activities of financial institutions approved by the the State Council Banking Regulatory Authority to lend the right to use monetary funds on the condition of repayment of principal and interest.

Article 3 The term "lender" as mentioned in these General Rules refers to a financial institution legally established within the territory of People's Republic of China (PRC) with the approval of the the State Council Banking Regulatory Authority, and qualified to engage in loan business.

The borrower mentioned in these General Rules refers to a legal person, other organization or natural person who has established a loan legal relationship with the lender.