Jin Yan e-loan is a credit loan issued by Henan Rural Commercial Bank. Jin Yan E-Loan Association will evaluate the borrower's qualifications from time to time, and will evaluate it according to the borrower's usage, repayment, personal qualifications and repayment ability. If it is found that Jin Yan E-loan suddenly cannot be used, it means that the borrower failed to pass the evaluation of Jin Yan E-loan, mostly because of credit problems or high debts. In addition, the overdue repayment in the use of e-loan in Jin Yan will also lead to the unavailability of e-loan in Jin Yan.