Does the subject want to ask, "What is the reason why the bank says it has reversed the loan?" The reasons are as follows:

1. Credit report is an important basis for evaluating personal credit status. If an individual has bad credit records such as overdue repayment, arrears, credit card arrears, etc., it will be considered as a loan reversal behavior.

2. When reviewing loan applications, banks will not only pay attention to personal credit records, but also pay attention to personal assets and liabilities. If the personal assets and liabilities are in poor condition, such as excessive debts and unstable income, it will be considered that there is a loan reversal behavior.