Reason:

1. Credit rating: Banks usually consider the credit status of borrowers when approving loans. If the borrower has more outstanding online loans, the credit rating may decline, thus affecting the chances of bank loans being approved.

2. Debt burden: If the borrower already has a lot of online loan liabilities, the debt burden of the bank may exceed its tolerable range when lending money, which may lead the bank to refuse the loan application.

3. Repayment record: The bank will evaluate the borrower's repayment record. If the borrower is overdue or the repayment is irregular in the online loan, the bank may worry that it will not be able to repay on time, thus affecting the loan application result.

Summary:

The existence of online loans may have a negative impact on bank loans. The borrower's credit rating, debt burden and repayment record are all factors considered by banks. Therefore, before considering the loan application, we should pay attention to the reasonable planning and management of personal debt in order to maintain a good credit status.

Extended data:

According to the regulations of China's regulatory authorities, the total amount of personal loans should be commensurate with the monthly income and should not exceed a certain proportion of repayment ability. Reasonable use and management of online loans to avoid excessive debt will help to maintain a good credit record and improve the chances of obtaining bank loans.