The CBRC stipulates that the loan object is a natural person with full capacity. In other words, China citizens who have a stable residence can apply for bank consumption loans from commercial banks. In practice, the loan object requires a stable income and appears as a consumer. When it applies for a loan from a bank to meet the consumption needs of individuals or families, it is called the loan object of bank consumption loans. If a natural person borrows money from a commercial bank for production and operation, it is not a bank consumption loan, but an operation loan.

It is very important to have a stable income in the future. As for what is a natural person, you are a natural person if you borrow money in your own name. Since it is called a bank consumption loan-of course, the loan is used for consumption, so if someone wants to use the bank consumption loan for production, once it is verified, the bank will recover the loan. Therefore, this money can only be used for special purposes and cannot be used for other purposes.