Good credit record, no bad habits, no major private lending behavior, no major economic disputes;

The operating period of the fund-using unit has reached more than 3 years, and the applicant has more than 5 years of working experience.

The applicant's family net assets are more than 2 million, including personal assets, enterprise assets and inventory.

The annual business scale is more than 5 million (mainly refers to the bank flow of corporate and personal accounts)