Three aspects are key focuses: First is personal credit, where banks assess repayment ability and willingness through credit reports, with late payments and high debt levels affecting approval outcomes; second is proof of income, where stable income sources are crucial for loan approval, and materials such as salary statements and tax proofs enhance credibility; third is the purpose of the loan, which must comply with national regulations, such as consumer loans not flowing into the real estate or stock market. Taking the Taizhou City entrepreneurship guarantee loan as an example, applicants need to prove that the project is related to rural revitalization and that they have the ability to repay, in order to enjoy high-amount, low-interest preferential policies.