I am a self-employed person and want to make a suggestion. I hope not to be so persistent about personal loans. Most individuals cannot provide complete information, and they don't necessarily need information to prove their repayment ability. Some self-employed people have never borrowed money and don't know how to keep the information. For example; When we don't save money, we don't think about how to save tap water. When we cut money, there was not enough running water at once, so we couldn't get a loan. It doesn't have to be those documents to prove that we have the ability to repay. In fact, you can make a field investigation, and you can investigate the location of his store. The rent in the lot is good, and it must be expensive. What we look at is the value of goods, the investment, the value and the loan. Because the financial resources of the self-employed can only see the goods, such as the personal transfer fee of 40,000 to 50,000, and the price of the goods is several hundred thousand, which adds up to about 200,000. If you are not at ease, you can pay less, or you can pay the purchase price according to the regulations. There are as many different loan methods as possible, and you can choose. Generally speaking, the income of self-employed individuals is not stable, so they can borrow less and invest at least several hundred thousand. Self-employed people only have field trips. Since they are self-employed, their life will not be worse than going to work. There is no money, the goods are bought out, but there is still money. Even if business is bad, they will lose money. Self-employed people are not fools. They have been losing money every day for half a year, and the loss is also due to rent and expenses. The rent and expenses for one day are only 200 yuan, and the loss for half a year is 180 days. If you don't open it, you can also handle the transfer. Isn't the transfer fee tens of thousands? Isn't the goods money It is impossible to buy a dime a day for half a year. If you open a bank, you only know the banking business, and you won't think of other ways to lend money to self-employed people. Everything is made by people, planes and rockets. The self-employed method can't solve it. I don't believe that self-employed people are worse than office workers. Self-employed people with unstable personal income can spend 1 thousand a day. Can office workers? Since there is an economic source, is it called self-employed if there is no economic source? What is the role of self-employed? If the income of office workers is stable, isn't there anyone who won't pay back the loan? Can office workers pay back 100%? Self-employed and office workers have more loans, one, tens of thousands or even hundreds of thousands, and how many office workers need loans than self-employed people. Office workers and self-employed people have a big business. At that time, the loan was relatively long and the financial resources were large. All the business is done. Why do some people lose money in business and some people have to do it? Because of different practices, some people lose money in business, while others make money. This is my opinion and needs the reference of relevant departments.