Legal analysis: you can't lend if you break your promise. All high consumption behaviors of untrustworthy personnel will be restricted; Banks will not provide loans and credit card services to untrustworthy people; People who break their promises cannot join large units or government units. The personal credit information system will play the role of "encouraging by keeping promises and punishing by breaking promises". Until the faithless person pays off the debt, otherwise the faithless person will always be restricted. People who break their promises will not only affect their daily lives, but also affect their children's studies and future.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.