The conditions for the establishment of the creditor-debt relationship of a loan are: Normally, the loan relationship is established after the loan contract is established in accordance with the law. A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. According to Article 667 of the People's Republic of China and the Civil Code, a loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Article 668: A loan contract shall be in written form, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 668 of the "People's Liberation Army and Civil Code" of the People's Republic of China shall be in written form, unless otherwise agreed on the loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 667 of the "People's Republic of China and Civil Code" A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Article 502 of the "People's Republic of China and Civil Code" A contract established in accordance with the law shall take effect from the time of establishment, unless otherwise provided by law or otherwise agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract must undergo approval and other procedures, the provisions shall be followed. If the failure to go through approval and other procedures affects the effectiveness of the contract, it will not affect the effectiveness of the contract's obligation clauses such as submission for approval and related clauses. If the party that should go through the application approval and other procedures fails to perform its obligations, the other party may request that it bear liability for violating such obligations. In accordance with the provisions of laws and administrative regulations, if the modification, transfer, termination, etc. of a contract require approval and other procedures, the provisions of the preceding paragraph shall apply.