Because the loan company needs to investigate the authenticity of the borrower's debt and whether the borrower has the ability to repay. Under normal circumstances, the borrower will be investigated when handling personal credit loans. The objects of inquiry mainly include whether the borrower's personal credit information is good, and whether he has loans overdue or bad debts in the past, which will directly affect the difficulty of approving your loan. In addition to credit investigation, it is also necessary to investigate the borrower's work situation, whether the borrower can repay the monthly repayment with one month's salary, and other things.