1. Strong financial strength: Central enterprises usually have strong financial strength and cash flow, and do not need to apply for loans from local banks.

2. Diversification of financing channels: Central enterprises can obtain funds through issuing bonds, stocks and other channels, or allocate funds within group companies.

3. High credit rating: Central enterprises usually have high credit rating, and it is easier to obtain low-cost funds from domestic and foreign financial institutions.

4. Policy support: Central enterprises usually enjoy the support of national policies and may have more advantages in loans, such as lower loan interest rates and loose loan conditions.

5. Independent decision-making: Central enterprises have high autonomy in financing decision-making, and can freely choose financing methods and loan banks, regardless of geographical restrictions.

6. Avoiding local risks: Central enterprises may consider the risk factors of local banks, such as credit risk and operational risk, so they are more willing to choose national banks or international banks for cooperation.

Of course, this does not mean that central enterprises will not apply for loans from local banks at all. Under certain circumstances, central enterprises may cooperate with local banks for loans due to strategic considerations or local cooperation needs. In short, the reasons why central enterprises don't need local bank loans may be various and need to be analyzed in detail.