申请商业助学贷款时，借款人须具备的条件有（ ）

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26780' and id < 2227981 and id<>'2227981' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26780' and id > 2227981 and id<>'2227981' order by id asc limit 5