Lending to cut interest rates is actually turning high-interest loans into low-interest loans. However, when lending, some intermediaries will charge a lot of fees, and bank loans are earmarked. Lending obviously does not comply with relevant regulations, and there are certain policy risks. Customers should be cautious when cutting interest rates through lending, because lending itself has certain policy risks. When the bank withdraws the loan, if it finds that the customer's behavior is inconsistent with the original loan application, or the customer's credit information is flawed, the bank will terminate the loan contract in advance and let the customer settle the loan in one lump sum, which will bring greater financial pressure to the customer and bear the corresponding liability for breach of contract.