1. The bank refused the loan for the following reasons:

(1) Credit investigation. The average bank looks at the credit information in the past two years. If the credit is overdue in the past and overdue now, the visa will basically be refused.

(2) income is unstable. At present, many enterprises pay their wages in cash. For banks, this kind of income cannot be recognized as effective income, and they will directly refuse to lend. The general income recognized bank pays the salary, and the salary will show the company name;

(3) Incomplete information or providing false information. The borrower intentionally provides incomplete information or false information when applying, and the bank or lending institution will directly refuse the loan;

(4) The debt is too high. Generally, the debt ratio should not exceed 70%, because the debt ratio is too high, which is prone to supply failure and the risk of failure is greater;

(5) Personal qualifications do not meet. Every loan product has a basic requirement. If the borrower does not meet the requirements, it will basically be rejected. For example, if the age requirement is over 25 years old, even if other conditions are met, if the age does not meet, it will be directly rejected. This is actually a hard condition;

(6) Not the target group of loan products. That is, the applicant is not the target group of the product. If some products are made for teachers and doctors in public schools, it is difficult to apply for loans if they are not such groups.

(7) Restrict people in the industry. Most loan products will have industry restrictions, such as chemical industry, entertainment, steel trade and other industries are basically difficult to apply for loans;

(8) Bad third-party data. In addition to checking the credit report, ordinary banks will also check the third-party data to understand the comprehensive situation of borrowers;

(9) Too many queries. If there are too many inquiries, the loan will be rejected. As Bian Xiao said before, the average bank will look at the number of inquiries in the past 2-3 months, generally not more than 4 times. Such as loan approval, credit card approval, credit review, etc. Will count the number of times, but personal online inquiry or going to the counter to print this is not the number of times of inquiry. Understandable;

(10) The comprehensive score is insufficient. Many people may be rejected because of insufficient comprehensive scores. In fact, every bank or financial institution will have its own evaluation system, and the system will calculate the borrower's comprehensive score according to the given information. Generally, a score will be given from comprehensive factors such as marital status, occupation, education, economic ability, personal assets and credit history. If the score does not meet the minimum requirements, directly refuse the loan and do not proceed to the next step.

2. Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law.

Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Second, what materials are needed to obtain a bank loan?

The basic information required to apply for loan business in a bank is as follows:

1, the applicant's valid ID card and household registration book;

2, the applicant's salary income certificate and local tax payment certificate within half a year;

3. Proof of the applicant's marital status;

4. In addition, according to different loan types, there are some additional materials, such as the original ID card of the guarantor and a copy of the household registration book; Mortgage loans should provide proof of property, such as house property certificate.