1. The borrower has reached the legal age 18 and is under 65, and has full capacity for civil conduct. 2. The borrower has a local permanent residence and a legal and valid identity certificate. 3. The borrower has a legal occupation and stable income, and is capable of repaying the principal and interest of the loan when it is due. 4. The borrower has good credit and has not received any credit information. 5. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. 6. Meet other conditions of Minsheng Bank.

Farmers can apply for rural personal loans through mortgaged houses. Business guarantee loans, personal guarantee loans are generally in the range of100,000 to 200,000 yuan, and enterprises are relatively higher than 2 million yuan, and the finance will give a discount according to a certain proportion.

Minsheng Bank is the first national commercial bank initiated by private capital in Chinese mainland, which was established in June 2002 1996+ 10/2. The main shareholders are Liu Yonghao's New Hope Group, Zhang Hongwei's Oriental Group, Lu Zhiqiang's China Oceanwide Holding Group, China Shipowners Mutual Insurance Association represented by Wang Yugui, China Life Insurance, Shi Yuzhu and so on.