That's right. Because the real trade background is the basis of foreign exchange loan application and an important reference factor for loan approval. Real trade background refers to the trade background of actual transactions with loan applicants, including goods, services, investment, etc. If the trade background is untrue, it may lead to the loss of loan applicants and affect the credibility of financial institutions. Therefore, financial institutions need to carefully verify the authenticity of the trade background when conducting investigations and audits before lending, so as to ensure that loan applicants can obtain real and reliable funds. This includes checking trade contracts, invoices, transportation records and other documents, verifying the authenticity and compliance of trade background, and reviewing the financial situation of trade applicants.