This is not the difference between poor banks and rich banks. The purpose of bank loans is to earn interest, provided that the loans can be recovered. Therefore, banks should first consider the repayment ability of borrowers. If the bank evaluates that you don't have enough repayment ability, of course you can't get a loan. On the contrary, if a person, like Shi Yuzhu, has negative assets of several hundred million when he is poorest, he is much poorer than ordinary people. However, his business is still in normal operation, with cash flow and expected income, that is, he has the ability to repay, and the bank can recover the loan and interest when it matures, and of course it is willing to lend it to him.

Supplement: In addition, why can't migrant workers' brothers get loans? Because they have no fixed residence, no fixed work unit and no fixed income, it basically means that repayment is not guaranteed. These factors are very unfavorable factors in the risk rating of banks.