There is no other way to improve your overall score than by maintaining a good credit record.

There is no way to apply for a loan if the comprehensive score is insufficient. The comprehensive score is a comprehensive examination of the internal and external subjective and objective environments that affect the individual and his or her family, as well as their ability to fulfill various economic commitments. Make thorough judgments and assessments. The credit scoring system it is located in refers to a statistical and evaluation system that assigns different scores based on the borrower's borrowing and repayment history, credit status and other information to determine whether to approve a loan or credit limit.

According to Article 11 of the "Interim Measures for the Administration of Personal Loans", personal loan applications should meet the following conditions:

(1) The borrower is a Chinese citizen with full capacity for civil conduct*** Chinese citizens or overseas natural persons who comply with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and has no major bad credit record;

(6) Other conditions required by the lender.

Loan (lending) business--the most important asset business of commercial banks

Credit loan: Credit loan refers to a loan that relies solely on the creditworthiness of the borrower without providing any collateral. A loan is a type of capital loan.

Ordinary borrowing limit: An enterprise enters into an informal agreement with a bank to determine a loan. Within the limit, the enterprise can obtain loan support from the bank at any time. The validity period of the limit generally does not exceed 90 days. For loans within the ordinary loan limit, the interest rate is floating and linked to the bank's preferential interest rate.

Overdraft Loans: Banks provide loans to customers by allowing them to have an overdraft on their account. Providing this facility is considered an "additional obligation" beyond the bank's contractual obligations to its customers.

Standby loan commitment: Standby loan commitment is a relatively formal and legally binding agreement. The bank signs a formal contract with the enterprise, in which the bank promises to provide corresponding loans to the enterprise within a specified period and limit, and the enterprise must pay for the bank's commitment.

Consumer loans: Consumer loans are loans granted to individual consumers to purchase durable consumer goods or pay other expenses. When commercial banks provide such loans to customers, they must conduct multiple reviews.

Bill discount loan: Bill discount loan means that the customer submits the undue bill to the bank, and the bank obtains cash by deducting the interest from the discount date to the maturity date.