1. If the borrower has a bad credit record, Industrial Bank will check your credit record, and the leaders of Industrial Bank will not review the loan.
2. The borrower's debt ratio is too high. If your debt ratio is too high, Industrial Bank will think that you have potential risks, so as to refuse the loan and lead the audit of the loan but not the audit.
3. The borrower's loan is improperly used. If the borrower uses the loan for other investments and gambling, the leaders of Industrial Bank will review the loan, but not the loan.