Self-employed individuals, residents (except civil servants), small business owners and farmers who have a fixed residence in Huzhou and provide valid residence certificates, and are at the age of 18-65 and have full capacity for civil conduct. Huzhou Yongxin Microfinance Company was established in 2009- 1 1-02, and its business scope covers all kinds of microfinance, small business development, management, finance and other consulting services. The loan conditions are self-employed and residents (age 18-65, with full capacity for civil conduct) who have a fixed residence in Huzhou area and provide valid residence certificates. Huzhou is located in the north of Zhejiang, at the junction of Zhejiang, Jiangsu and Anhui provinces, with Jiaxing in the east, Hangzhou in the south, Xuancheng in Anhui in the west, Taihu Lake in the north, and Wuxi and Suzhou in Jiangsu across the lake.