second, the threshold for the application conditions of Huzhou bank's small self-service revolving loan: it must have a fixed residence in Huzhou area and provide a valid residence certificate, and only the self-employed households, residents (except civil servants), small business owners and farmers who are aged 18-65 and have full civil capacity. 1. The applicant meets the microfinance target within the above-mentioned provisions. 2. The applicant has sufficient repayment ability and a stable job and income. 3. The applicant can provide valid identification. 4. The applicant has a reasonable loan purpose and cannot use the funds for illegal activities such as investment and wealth management, stock trading and gambling. 5. The applicant has no record of malicious overdraft (arrears) and good personal conduct. According to the personal credit evaluation standard of Huzhou Bank, the credit rating has reached Grade A or above. 6. Other conditions stipulated by the lender.