Unstable after the first trial. According to Cai Yao. Preliminary examination is an important step in the process of loan application, because passing the preliminary examination basically means that the bank is willing to consider providing you with a loan. However, passing the preliminary examination does not mean that the applicant will definitely get the loan successfully, but also needs to pass the subsequent final examination, and the lender's own credit status must reach a certain standard. This paper will analyze this problem from different angles. After the first trial is passed, it means that the bank thinks your application is feasible. The bank will review the basic information of the lender during the initial review, which is equivalent to a screening. If the initial review fails, subsequent applications will not be made. Therefore, when applying for a loan, we need to know our credit history, income and expenditure. And choose the right bank to apply according to our own situation. If it passes the preliminary examination, it shows that our basic conditions meet the requirements of the bank and it will be easier to pass in the subsequent final examination.