1. Recently, there are behaviors such as overdue loans and credit cards, or illegal use of credit card loans, cashing out credit cards, and using consumer loans for investment.

2. The comprehensive score is insufficient. The risk control has become stricter, and personal conditions no longer meet the loan requirements. It is also the reason why the personal debt ratio is relatively high, and it is no longer eligible for users to modify their personal data.

3. None of the above, but the lending institution itself is short of funds, which leads to insufficient loan amount.