You need to check the credit information of the bank loan. Banks need to judge the borrower's willingness and ability to repay through credit reporting. For example, the lender's bad credit, or the credit debt is too high, which means that the lender has a high risk of overdue in the future, and the money lent by the bank may not be collected. Lending institutions stipulate that the borrower's debt ratio shall not exceed 50%. If the debt ratio is too high, the lender will think that the lender's repayment ability is insufficient, and B will reject the lender's loan application.