The system is more difficult. In the process of bank loan approval, there are two ways: manual audit and system audit. In the process of manual audit, the loan demand of personnel will be considered as appropriate, and the loan demand will be passed according to the real situation, while if the system audit is carried out, it will be. Through comprehensive evaluation, if the pass rate is not high, the system will not pass the loan application no matter how difficult it is, so it will be more difficult for the bank loan to pass the system audit.