The requirements of bank loans for credit investigation are: 1. Lending institutions mainly look at the borrower's credit card and loan approval records. If the number of credit reports is too high in a short period of time, banks will think that there may be greater risks in continuing to lend to borrowers and refuse to lend. 2. Usually, lending institutions have the requirement of "three consecutive times and six consecutive times" for borrowers' overdue behavior. It cannot be overdue for three months in a row, and the number of overdue times in the past two years cannot exceed six. Different lending institutions have different requirements, and the specific requirements of lending institutions shall prevail when applying for loans. Usually, the loan institution stipulates that the borrower's debt ratio cannot exceed 50%, so the borrower should know his debt situation before lending. If the debt ratio is too high, the lender will think that the lender's repayment ability is insufficient and may refuse the lender's loan application.