Yes When the borrower enters the observation period, he should actively communicate with the bank to understand the requirements and processes of the observation period and operate according to the requirements of the bank. If, after the observation period, the borrower meets the requirements of the bank, that is, has the ability to repay the debt, then the bank will issue a formal loan. If the borrower's consumption behavior does not meet the requirements of the bank, the bank will refuse to issue a formal contract, thus canceling the borrower's identity.