1. At least 18 years old and no more than 60 years old, with People's Republic of China (PRC) (PRC) nationality and full capacity for civil conduct.

2. Hold legal and valid identity documents.

3. Our e-banking customers and holders of security authentication tools issued by our bank. (At present, only second-generation K-Bao customers are supported, and Zhangyin.com Dai Jie can support K-single repayment ...)

4. The credit status is good, and the following bad credit records do not exist in the credit report:

① There are no overdue loans and credit card overdrafts when applying for loans; ② There is no record of overdue for more than 30 consecutive days in the last 24 months, and the cumulative overdue times are no more than 4 times; (3) There is no asset disposal, guarantor compensation or bad debts, and there is no record of unpaid taxes, enforcement or administrative punishment that has not been revoked; ④ There is no "normal" status in the five-level classification of loans guaranteed by borrowers. ⑤. There is no unexpired loan amount and no outstanding loan balance. 6. Stable income and the ability to repay loans on time. ⑦。 The purpose of the loan is reasonable and clear.