1, insufficient credit score. Generally speaking, if your online loan credit record has bad credit records such as overdue and default within half a year, then your score in the scoring column will be relatively low. If you have two or more overdue records in half a year, then basically you will miss the loan!
2. The information authenticity score is insufficient. When applying for a loan, it is very important to examine the verifiability of the borrower's information. By verifying the borrower's information, we can preliminarily judge whether the borrower has fraudulent behavior, thus ensuring the safety of funds. Generally speaking, if the information you fill in at the time of application is untrue or inconsistent with the information in the relevant database, your information authenticity score will be insufficient. For example, the borrower's information is incomplete or untrue.
3. Insufficient credit rating. What we call insufficient credit rating mainly refers to the situation that the credit rating cannot meet the lower limit of a single loan product after the system budget. The borrower may not be clear when applying for a loan. Some loan products have very strict conditions. If you don't know your choice before applying, you may not pass the bank review and be refused a loan!
4. Application records are too frequent, and multiple applications for loans will also affect the loan approval results. If you frequently apply for loans on multiple small loan platforms, you will find that there are too many online loan records after checking your online loan credit report, which will make the bank think that you are very short of money at present, because other conditions cannot meet the standards, but the application is unsuccessful and the risk of default is relatively high!
Peer-to-peer lending includes personal peer-to-peer lending and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by contract law, general principles of civil law and other laws and regulations, as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their controlled micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by CBRC.