Legal analysis: Personal financing requires the following conditions:

1. Be 18 years or older;

2. Engage in securities trading for no less than 6 months; < /p>

3. The account opening information is standardized and the account status is normal;

4. Has a source of income and disposable property;

5. Certain experience and risk tolerance;< /p>

6. No major debt disputes or default records;

7. No contracts signed with other securities companies;

8. The account opening time is no less than 18 months , securities assets are not less than 500,000.

Legal basis: "Interim Measures for the Administration of Personal Loans" Article 11 Personal loan applications should meet the following conditions:

(1) The borrower is a Chinese citizen with full capacity for civil conduct* **Republic of China citizens or overseas natural persons who comply with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;< /p>

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good and there is no major bad credit record;

( 6) Other conditions required by the lender.