(1) The place where the personal consumer bank loans has a fixed residence, a fixed residence or a valid residence certificate, and the loan age is under 65 years old, and it has full capacity for civil conduct; (two) the borrower is used for proper employment and stable income, and has the ability to repay the principal and interest of the loan on schedule; (3) There is no bad record in the credit investigation; (4) Being able to provide legal, effective and reliable approval guarantee for banks; (5) The purpose of the loan is clear and meets the relevant legal requirements; (6) Opening a personal settlement account in China Industrial and Commercial Bank.