1 The borrower's excessive debts caused the application to fail. When the borrower applies, the system will evaluate the borrower's debt and repayment ability. Therefore, on the one hand, borrowers should pay off their debts as soon as possible, and on the other hand, they should prove their repayment ability to improve the pass rate.

If the application materials are insufficient or the loan renewal fails, this situation will be easily solved, and the borrower can provide more high-quality materials besides personal basic information. This will greatly improve the pass rate.

3. The borrower has overdue or bad records. If this situation causes the application to fail, the borrower needs to create his own personal record to apply, otherwise the application of any platform will fail.

Any lending institution is very concerned about the repayment of users, and many lending institutions will give users a certain credit line within which users can initiate loans. When a user initiates a loan, the lending institution will still analyze some repayment data of the user, especially the repayment data of the user in this lending institution. If the user is in loans overdue of the lending institution, the user's loan application will be rejected.

Second, the user has a quota in the auction loan, but when borrowing money, the user's credit information deteriorates, resulting in the user being unable to borrow money.

If the user has a loan amount, but the user initiates the loan, the system will display that the loan failed. It may be that the user's credit information has deteriorated, and the risk control audit requirements cannot be met, and the loan cannot be obtained.

When lending money, the lending institution will check the user's credit information again. If the user's credit information becomes worse than when applying for a loan, the lending institution will not continue to issue loans to the user. Although the user's loan is limited, the user's loan application will be rejected after the user's credit information deteriorates.

Third, the user has a loan amount, and the repayment ability of the user cannot support the loan when borrowing, which leads to the failure of the user's loan.

If the user has a loan amount, but when the user initiates a loan, the system will display that the loan failed, which may be because the user's repayment ability cannot support the subsequent loan, and the system will refuse the user's loan.

The repayment ability of each user will change, and the evaluation of the repayment ability of users by lending institutions is constantly changing. Before the formal loan, the lending institution will re-evaluate the repayment ability of the user, and only when the repayment ability corresponding to the actual loan is met will the loan be officially issued.

Operating environment: auction loan 9. 10.4