1. In terms of banks, the loan amount of banks is the most direct factor for whether the loan review is more stringent. When the bank's quota is tight, which makes the loan more difficult, it is also possible to refuse the loan; On the contrary, if the degree is sufficient, it is easier for applicants to obtain loans if other basic conditions are met. Banking policy. The bank's principles and policies are first set by the head office, and the specific branches will be adjusted according to the preferences of the leaders. Because people are changing, policies will always change. Therefore, before lending, interpreting the policy is the first step. Loan manager. The loan manager will follow up the whole loan process and know the customer's situation best. The professional level and personality of the loan manager play a key role in the loan. Therefore, we should try to choose a loan manager with strong sense of responsibility and serious work. In order to avoid the loss of information and the repeated supplement of information. 2. Personally

Whether the applicant's own qualifications meet the necessary conditions for applying for loans. Banks measure applicants' disqualification mainly from the following indicators: income level. The loan review is the printed bank flow, which is the assessment of the applicant's income level. Either the income is steady and stable, or the income is not high enough, and it cannot pass the audit. Borrower's credit. The use of credit cards and whether there is a record of non-performing loans before are closely related to the credit of borrowers, which is also a question that a loan manager usually asks in front of him. Banks focus on the credit information in the past two years. If it is overdue at present, it is the most fatal. Therefore, in order to successfully approve loans, we must maintain a good credit record.