Bank venture loan is usually a loan scheme to help entrepreneurs realize their entrepreneurial dreams. The approval of the employment credit report means that the bank recognizes the individual's employment situation, which is an important factor in obtaining business loans. The adoption of the employment credit report also means that the user's credit status is good. Banks believe that users have the ability to repay loans and their credit is reliable. Banks usually consider the applicant's income stability, credit history, repayment ability and other factors to evaluate the risk of loan application. Bank venture loan is a kind of loan provided by banks or other financial institutions to help entrepreneurs realize their entrepreneurial dreams. Such loans are usually used to finance the start-up, expansion or development of new enterprises or small and micro enterprises.