If the number of bank lending institutions exceeds, it will lead to a slowdown in bank lending. Can provide more financial proof, such as income proof, bank running water, real estate proof, etc. Prove that you have enough repayment ability and improve the probability of bank loans.

If the number of bank lending institutions exceeds, you can try other legal and compliant lending institutions. Different lending institutions have different loan policies and requirements. You can try to apply for loans from other legal lending institutions in order to obtain better loan conditions and interest rates.