Should not refuse. If the customer's credit information is good, the bank has no absolute reason to reject this customer. The bank's excess reserve is set up to ensure the minimum withdrawal standard for deposit business customers. As long as the bank has sufficient provisions, the capital adequacy ratio is not less than 8%, the core capital is not less than 4%, and the ratio of loan balance to deposit balance is not more than 75%, the lending standard will be fully realized. According to relevant statistics, 80% of the bank's profits come from 20% of high-quality customers. As a bank, it is very important to maintain good relations with high-quality customers and provide them with financial support in time. Therefore, instead of directly rejecting this customer, it is better to explain the situation to him. And actively raise funds, such as borrowing from the central bank, borrowing from peers or throwing away the securities held, to meet the loan requirements of customers in the shortest time.

Generally speaking, banks have excess reserves. In view of the above situation, it may also exist. If it is not always like this, you can go to other banks for loans when the excess reserve is insufficient. This depends on the operation of the bank, so the bank refused at that time and can apply again in the future. Or under the premise of not expanding the loan balance, if someone repays the loan, it can be filled in the fixed balance. At the same time, insufficient excess reserve is not a sufficient reason. If it is not a private bank, there is generally no such reason. Usually it means that there is no loan line, which is given by the superior bank, and the ultimate power lies with the head office. If you intend to meet the needs of this customer, you can apply to the superior bank, indicating that the project put into production or developed by this customer will have the advantages of risk-free and high income in the future.

The deposit reserve ratio is an important monetary policy tool of the central bank. According to the law, commercial banks must deposit a certain percentage of their deposits in the central bank. By adjusting the deposit reserve ratio of commercial banks, the central bank can control the base currency, thus regulating the money supply. Simply put, it is a part of the reserves reserved by commercial banks or deposit institutions in addition to the statutory reserves that the monetary authorities must pay. Commercial banks retain excess reserves mainly to solve unexpected large cash withdrawals, settle deposits or better investment opportunities. The change of excess reserve will affect the size of currency multiplier. Under the condition that the base money supply remains unchanged, it restricts the ability of the banking system to create money.