2. Education requires junior college or above, and the central bank has a good credit record and no bad credit record.

3. The salary must be no less than 4,000 yuan, and there is a stable job and income.

4. The applicant has a fixed residence in the place where the issuing bank is located, and can provide water and electricity bills for nearly three months.

5. It is necessary to provide certain proof of assets, such as proof of ownership of self-owned houses and commercial houses.