1, an individual aged 18 (inclusive), male under 60 and female under 55, has full capacity for civil conduct.
2. Have the right of abode in China, hold a passport or a valid residence certificate issued by the public security department of China, and have a fixed occupation and stable income in the place where the applicant institution is located.
3. The work unit or residence is in the location of the card issuing institution, and it has a stable occupation and legal income.
4, the monthly income is above the local average level, with the ability to repay on schedule.