According to Faqin and Zhihu, under normal circumstances, if a customer needs a loan, he can go to the bank's business outlets or call the bank's customer service phone to consult and apply, or apply for a loan through self-service channels such as bank official website or APP. When providing loan services, banks will assess the risks of customers according to their actual conditions.

Banks strictly follow the loan approval process and relevant regulations to protect the property safety and rights and interests of customers. If you encounter bank staff who actively promote loans or receive messages, phone calls and other information to promote loans, please be vigilant and handle them properly. I suggest you give feedback and complaints to the bank in time to safeguard your legitimate rights and interests.