Let's just say it's simple and clear. \x0d\ 1。 Most businesses and affairs can be represented or authorized within the scope permitted by law or objective phenomena. For example, I voluntarily give you my bank card password and withdraw money from you, which is an authorized agent. \x0d\2。 Signing only loan applications is generally problematic, because it is only an application. The process of my participation in the loan is \x0d\3. There is a certain potential risk that the relevant personal data will fall into the hands of others. Just like the kitchen knife theory, the weapon is used to cut vegetables normally. The main link of personal loan in a bank must be signed by my spouse or guarantor. I don't have any professional experience, and I haven't encountered any authorized personal loan, so I have to handle it myself, and the bank also requires me.