This is not true. According to the information about the loan, the loan will not be insured. Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals that use funds, and agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.