High.

Harbin Bank Consumer Finance is relatively easy to pass, with a pass rate of 90%. Generally, the following conditions need to be met: ① Be over 18 years old and have full capacity for civil conduct; ② Have a good personal credit report and no bad overdue records; ③ Have a stable job and corresponding income to repay the loan; ④ It is best to have credit card bills, continuous payment of social security and provident fund and other information; ⑤ Personal debt cannot exceed 50% of personal monthly income. If the debt is too high, you may be rejected.

Harbin Bank (HARBINBANK) is the only joint-stock commercial bank with legal person status in Harbin City, Heilongjiang Province. It was established in February 1997, with total assets of 270.409 billion yuan (at the end of 2012). Harbin Bank is headquartered in Harbin. It currently has 15 branches in Harbin, Tianjin, Chengdu, Shenyang, Dalian, Chongqing, and Jiamusi, and 24 rural banks and more than 200 business institutions in Beijing, Shenzhen, Jilin, Gansu, Chongqing, and Heilongjiang. On March 9, 2020, the "2019 China's Top 100 Banks List" was released, and Harbin Bank ranked 31st.