In the calculation of the current loan amount and credit rating, banks are sensitive to the change of main business income, but if it does not decline, problems will arise. It is important to explain clearly the reasons for the decline and the overall trend of the same industry, and a reasonable explanation can make the account manager convince the staff of the loan review Committee. If there was a loan in the bank last year and the customer's credit status was good, there should be no major problems in the approval.