He will not be rejected, because the bank's excess reserve is set up to ensure the minimum withdrawal standard of customers in the deposit business, and has nothing to do with loans. 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.

Ways to satisfy customers: interbank borrowing, borrowing from the central bank, recovering some loans (which will damage the relationship with customers) and selling securities (which may damage future interests).