1, which requires the applicant to have a good credit status and no bad credit record;

2. Have a stable job and income, and can provide personal salary as proof;

3. Having a fixed domicile and business place at the place where the rural commercial bank applying for loans is located;

4. The applicant must be at least 18 years old, have full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old;

5. Other conditions required by rural commercial banks.

Fuxiang e-loan is an online lending platform launched by Hunan Rural Commercial Bank, which uses technologies such as the Internet and big data. It mainly introduces the fast loan mode of "online application, online approval and online loan signing" to provide users with convenient and fast loans. It should be noted that Fuxiang e-loan is a loan product launched by Hunan Rural Commercial Bank, which is not supported by rural commercial banks in other regions.

The "Fuxiang e-loan" business system of Hunan Rural Credit Cooperative is an "online+offline" micro-loan business system that meets the micro-credit needs of individuals and small and micro enterprises with the help of Internet, micro-loan technology and big data. You can lend money in three minutes at the earliest, with a maximum amount of 500,000. It has the characteristics of one-time application, recycling, ease and convenience, and can effectively meet the needs of local urban and rural residents and small and micro enterprises. The trial operation of "Fu Xiang E Loan" in Hunan Rural Credit Cooperatives is a concrete measure to implement the spirit of the reform and development conference of provincial credit cooperatives and enhance the financial inclusive service function of Hunan Rural Credit Cooperatives through scientific and technological transformation.