1. What are the requirements for personal unsecured microfinance? 1. The applicant is a China citizen with full capacity for civil conduct, aged between 18-55 years old; 2. The applicant has a fixed residence, stable job and income in the loan place. 3. The applicant's credit record is good, and there is no violation of laws and regulations; 4. The applicant's loan shall not be used to invest in the stock market and futures market.