At present, the micro-loan system adopts the official invitation system. Generally, only invited users can find the micro-loan application entrance in WeChat. Adults who meet the approval criteria of Weizhong Bank and have the ability to act independently usually have the opportunity to get an invitation to open micro-loans (students are not provided with services for the time being). Opening conditions:

1. Age is not up to standard: At present, only users aged 18 and above may be invited by Weizhong Bank to open micro-loans, and minors are not eligible to apply for loans.

2. Non-compliance: If the user is a student group at school and is not within the application scope of micro-credit loan, it is recommended to find another loan that meets the student's identity.

3. No real-name authentication: the account has been authenticated by real name, the information is accurate and perfect, and the bank card and real-name mobile phone number under the personal name have been bound, which is one of the prerequisites for opening WeChat micro-loan.

4. There is something wrong with credit: As a loan product of Weizhong Bank, micro-loan will query the credit information of users when the system is approved. Therefore, if there are bad records in the credit information, it will affect the approval results of the system.

5. Income instability: As a loan product, micro-credit must have a stable and legal source of economic income to qualify for application, so as to convince Weizhong Bank that users have the ability to repay on time.

6. Low activity: If the user is a newly opened WeChat account, which has not been used much, and there are not many account consumption records, then Weizhong Bank may not invite such users for the first time.