For example, if you use a credit card to buy a computer, but there is no such money in your card, the computer money paid by the bank for you is a loan for you, and then you have to repay it on time. Or if you apply for a loan from the bank for consumption, the bank must first check whether your income has repayment ability, your personal data, and whether there is any bad record. It is best if you have personal assets mortgaged to the bank, and finally the bank will approve the loan amount for you. Only a few small banks can do it without collateral.