This is determined by the loan risk control conditions. Although the risk control scale of each loan is different, or strict or loose, every loan product of each lending institution has risk control restrictions, and these conditions just throw out the "poor" mentioned in this question.

Take personal credit loans from banks as an example. Generally, the maximum loan amount is 2,-3, yuan, the loan period is up to 3 years, and the annualized interest rate can even be as low as 3%. Such a high-quality loan product, which loan applicant does not want to apply for such a loan product? But where can it be so easy?

Let's look at one of the looser general risk control conditions for personal credit loans of banks, and maybe you can find some "joints". First of all, loan applicants need a stable job. If they are in third-and fourth-tier cities, their income must be close to or higher than the local average income level. Secondly, we must continue to pay social security and provident fund for at least half a year.

We can think about this seemingly simple condition carefully. How many people in a city can pay social security and provident fund continuously? What is the proportion? How many people can't pay social security and provident fund through their units for a long time? Another example is real estate mortgage. If the loan applicant doesn't even have a mortgaged property, how can he apply for a real estate mortgage?

why can't you get a loan if you are poorer, or why don't lending institutions like "poor people"? That's because the "poor" themselves have poor loan qualifications, unstable income, and it is difficult to obtain continuous social security or provident fund payment records like normal office workers, and they rarely have mortgaged assets, so there are fewer types of loans they can apply for and fewer loan products.

of course, the "poor" in this question is not the same as the poor in the popular sense. Even if there is really not much income in real life, you can apply for relatively high-quality loan products as long as you have a good credit record and a relatively stable income source.