1, probably because the borrower's credit information is not good, because all loans need to be checked. If the credit information is bad, there is no way for individuals to change it, and it can only be automatically eliminated after five years. Generally, it will only be rejected if it is overdue for many times. Of course, if the borrower can prove that the overdue period is not caused by himself, he can ask the relevant unit to issue a certificate and then apply for cancellation of the bad credit record.
Another reason may be that the borrower's debt is very high, and the bank is worried that the borrower will not be able to pay back the money after borrowing, so it will refuse the loan at this time. The solution to this problem is to reduce your liabilities or submit strong bank cash flow and asset certificates.