Legal analysis: The poverty certificate can directly prove to the bank your current economic conditions. It is not that you will not repay the money, but that you have difficulty repaying it. This certificate must be written based on your actual situation, and it needs to be stamped by the neighborhood committee or village committee.

The title directly states: Proof of Poverty. Write clearly the town and town where you are located, the name of the neighborhood committee, your parents' names and your own name. The text is the main body of the certificate. Due to the family’s financial difficulties due to ××× reasons, the poverty certificate must be stamped with the official seal of the township people’s government where the family is located or the official seal of a higher-level competent department, and the date must be written.

Legal basis: "People's Republic of China and Civil Code"

Article 671: The lender fails to provide the loan in accordance with the agreed date and amount, resulting in losses to the borrower , the loss should be compensated.

If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.

Article 672: The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide relevant financial accounting statements or other information to the lender on a regular basis as agreed.