Marital status is not the key factor of the borrower's repayment ability and credit history. When reviewing loan applications, banks or financial institutions mainly consider the borrower's repayment ability and credit history. When reviewing loan applications, banks or financial institutions should abide by relevant laws and regulations, including the Personal Information Protection Law. If banks or financial institutions require borrowers to provide marriage certificates and other information during the audit process, they must obtain the consent of the borrowers and their personal privacy must be protected.