The reason why the applicant has a violent criminal record. Banks will consider the risk of loans when approving loans. If the applicant has a violent criminal record, it will be considered as a high-risk customer, indicating that the loan application with a violent criminal record is not passed. When approving loans, banks will abide by relevant laws, regulations and internal regulations to ensure fairness, legality and transparency in the approval process. If the applicant thinks that the decision of the bank is wrong, he can appeal to the bank or complain to the relevant departments.