Legal analysis: 1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

Legal basis: People's Republic of China (PRC) Contract Law.

Article 761 A factoring contract refers to a contract in which the creditor of accounts receivable transfers the existing or existing accounts receivable to the factor, and the factor provides the debtor of accounts receivable with services such as financing, management or collection of accounts receivable, and payment guarantee.

Article 762 The contents of a factoring contract generally include terms such as business type, service scope, service term, basic transaction contract, accounts receivable information, factoring financing or service remuneration, and payment method. Factoring contracts shall be in written form.