1. If the consumer vouchers of Bank of Communications fail to pass the examination, the bank will terminate the loan in advance for risk control, and will require the borrower to repay the remaining loan amount in advance and pay it in full at one time.

2. In addition, the bank will regard the failure of the consumption audit voucher as the borrower's breach of contract and will charge the borrower a certain penalty.

3. If the situation is serious, it will also affect all the loans that borrowers apply for in Bank of Communications, resulting in users being blacklisted by banks and unable to continue to apply for loans.