First, peer-to-peer lending's philosophy.

Second, delete the screening.

There must be a reason for the failure of online loan application. The most common mistake everyone makes is to apply in a hurry, that is, there are too many one-time applications, so the success rate is very low! Sometimes not every application will pass. If it doesn't pass, summarize the reasons, specifically where it doesn't meet the standards of small loans, and then adjust the strategy to apply for the next one.

1, if a family is rejected, don't go on the rampage and scold dad; Don't think that the next paragraph on the Internet is all about trust, and don't think that online loans are deceptive and fraudulent. After all, there are a few people who make money from data, and there is no profit at all. The online loan review is very strict and it is normal to be rejected.

2. If you are rejected, check your application materials first and think about possible problems. Apply for online loan A first, and if it is rejected, see at which step it was rejected, and then carefully check the information involved in that step to pick out possible problems and see if there is room for optimization; Next, after the optimization is completed, apply for online loan B, so your success rate will be greatly improved.

3. There is a sequence and skill in applying for online loans, and you can't apply blindly. The choice of online loan slot is very important, and it is also important to choose a reliable slot that suits you. Generally speaking, it is very important for everyone to operate the large platform and the stable slot first. The old trough and the new trough should be selected first, because the old trough has experienced the precipitation of time, the open area has also increased, and the new trough is generally unstable and the payment rate is low. Therefore, the order is very important.

4, operating online loans, in addition to the operation sequence, self-analysis, online loan credit inquiry, it is very important to find a suitable opening, the correct packaging and various details, rather than casually applying for several openings.

5. In the case of China Merchants Bank, the audit needs our comprehensive evaluation, and there are many main reference factors, such as age, job stability, income, credit record, educational background, spending power and so on. Warm reminder: If your work or financial information changes, you can try to apply again after 3 months.

Second, why didn't the online loan pass?

The reasons for the failure of online loan application are usually as follows: 1. Bad credit record, that is, personal credit stain; 2. There is no stable income, and the repayment ability has not passed the audit; 3. Improper choice of online lending platform; Targeted improvement: 1. Bad credit information needs to pay off the previous arrears and interest, and eliminate bad credit information records after five years; 2. Find a relatively stable job and issue an income certificate; 3. Choose other online lending platforms and try again;

3. Online loan applications are always unsuccessful. What is the reason?

1. Having a bad credit record means that personal credit is tainted.

2. The repayment ability assessment is unqualified.

3. The choice of online lending platform is unreasonable.

4. No work unit.

5. Unreasonable use of loans.

exist problem

Question 1: there is no law to follow.

The interest rate of peer-to-peer lending sometimes far exceeds the prescribed interest rate, and once the economy occurs, the lender cannot guarantee this part of interest.

Question 2: It's easy to get old.

Due to the lack of bank credit system, overdue repayment sometimes occurs.

Question 3: Crime space.

"Bad debts" often appear in peer-to-peer lending, and some even have economic suspicion. In addition, peer-to-peer lending can easily become a tool for "illegal fund-raising".

Extended data

A few vigilance points

1. Establish a website under the banner of a professional company.

Such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. But if you look at such websites carefully, you will find that they generally leave no landline and address, only mobile phones or QQ. Even if they leave an address, they can't stand to look carefully.

2. "Unsecured, unsecured" and "same-day loan"

In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee.

In this scam, once the small and medium-sized business owners are hooked, they are required to pay a certain fee, deposit, etc. Before the loan, "because there is no need for guarantee and mortgage", some even require to pay interest for a certain period in advance.

3. Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions. Most project parties need to be more cautious when making inquiries.

4. Online transfer scam

In the online transfer scam, the fraudster will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.