1. The credit report is tainted. When applying for provident fund loans, the 11th Bureau of China Railway will also review customers' credit information. If the customer's credit information is tainted, it means that the customer has certain credit risk, and the China Railway 11th Bureau will directly refuse the loan.

2. The income does not meet the requirements. The 11th Bureau of China Railway has requirements for the income of loan customers, which will require customers' income to be more than twice the monthly contribution of provident fund. If customers do not have a stable and sufficient source of income, China Railway 11th Bureau will also refuse to lend.

3. The customer debt ratio is relatively high. When applying for provident fund loan, if the customer has other outstanding foreign debts, China Railway 11th Bureau will be worried about the debt pressure of the customer. For the sake of risk control, China Railway 11th Bureau will not make the next payment.