What does it mean to be denied a bank loan with big data?

This has to be divided into several parts

The bank's approval of the loan is divided into several parts

1.qualification part

Qualifying for a certain bank's loan condition qualification can only be entered into the piece of approval

2.credit part

Banks are still very important to the credit, because credit represents the willingness of a person to repay and the degree of compliance. A person's willingness to repay and the degree of trustworthiness, so the credit must meet the standards set by the bank, such as: the current can not have a late, the last six months can not be more than 1 month late, into a year can not have more than 2 months late repayment and so on

3. Big data part

April 2018 detailed version of the credit made a reform, became more detailed, and then the bank accessed the big data system, big data compare credit, the big data to the big data system, the big data compare credit, the big data to the big data system, the big data to the big data system, the big data to the big data system. The big data system, big data comparison credit is to make up for the part of the credit can not be reflected, so if the big data refused, it shows that the recent inquiries or small online loans are more, resulting in a lack of big data scores

Warm tips: big data contains a lot of information, no one can not fully explain, so since the bank access to the big data system, the loan is no one can guarantee that 100% of the next loan

Industrial bank big data analysis bank loan did not pass

May be big data shows that the lender does not meet the requirements of the loan.

Loan rejections are not necessarily a result of faulty big data. In fact, loan denials are generally the result of multiple reasons **** working together, and it's not simply the case that just having faulty big data will directly lead to a loan denial. For example, the age does not meet the requirements, the repayment ability is not enough, bad credit and other reasons, may lead to loan rejection. Of course, the loan reference big data, big data has a problem is certainly can not pass the audit.

What are the reasons why online loans are not overdue but always rejected?

I. Positive Answers

Users applying for online loans are rejected, in addition to bad credit, too high a debt ratio, age does not meet the requirements, and do not have enough repayment ability.

Two, specific analysis

Therefore, after the user's application for a loan is rejected, the user can take the initiative to contact the human customer service to inquire about the specific reasons why the loan is rejected.

After solving the problem, you can try to reapply for the loan.

For users, it is true that they cannot pass the loan review as long as they have bad credit, because all online loans require good personal credit.

Online loan big data is a kind of third-party credit inquiry system for lending institutions, which utilizes the technical means of big data to integrate the loan records of various online lending platforms. You can get a clear understanding of the problems you have in terms of online lending big data in Beitian Quick Check, which is accurate and comprehensive, and solves the problems in terms of online lending big data in a timely manner.

Three, why is the loan application always rejected?

If going to apply for a loan is always rejected, it is likely due to the following reasons.

1, bad credit

Because both banks, lenders, and platforms go for credit reports or big data that are reviewed during the loan approval process to get an up-to-date picture of the credit situation.

So, once the handling bank (lending institutions, platforms) found that the credit report or big data in the recent bad records, most likely will be worried about lending late risk and refused to approve the loan.

2, the existence of multiple borrowing

If you frequently apply for loans, it is easy to lead to personal credit report or big data become "flower", too many borrowing records, and even the case of multiple borrowing.

If there are still a lot of credit products in your name that you haven't paid off yet, you will also appear to have a high personal debt ratio.

In this way, the bank (lending institutions, platforms) in the loan approval is likely to be therefore worried about the unstable economic life, the repayment ability is insufficient, it is also very easy to reject the loan application.

What are the reasons why online loan applications are rejected?

I. Positive Answers

All kinds of online loans are rejected may be the result of these reasons.

Two, specific analysis

1, credit report has a problem in the application of online loans, the platform will query the credit situation, if the credit report above the bad loan records, too many inquiries record and multiple loan records, will make the platform feel concerned, out of risk control considerations, the lending institutions will be directly rejected loan applications.

It's also difficult to recover from credit problems, especially if there are late payments on the credit report, which can have a lasting effect over a period of several years.

2, income does not meet the requirements in the application of online loans, you need to have a stable and sufficient source of income, which is able to repay the guarantee, if the income does not meet the requirements of the platform, the platform is naturally not assured that the money to.

In this case, you need to find ways to improve your income level.

In the income does not meet the requirements of the premise of applying for online loans to be more cautious, even if you get a loan amount is not easy to use, if the back did not agree to repay the loan will result in overdue, will have to bear the more serious consequences of overdue.

3, the debt ratio is relatively high if at the same time carry a number of lending institutions owe, resulting in their own debt ratio has reached a relatively high level, in this case the risk of overdue will be greater, so online lending platforms are afraid to easily issued loan amount to.

If this is the case, it is good to reduce their own debt ratio later, to control the overall debt ratio of less than 50%, can reduce the risk of overdue, but also does not delay their credit activities.

4, personal information expired in the application for loans need to complete the real-name authentication upload a valid identity document, if the uploaded identity card expired, then according to the requirements of compliance, the platform will not agree to the loan application, you need to update their identity information.

5, online loan big data abnormal online loan big data in the function of the above and credit report is somewhat similar, but it is mainly reflected in the history of the loan situation, if the online loan big data have problems, for example, there are violations of the use of the online loan or do not pay back the online loan on time, but also in the development of credit activities to bring a lot of trouble.

6, the total credit limit is too high if in more than one platform has already had credit, and has used more credit line, this means that the borrowing risk is high, the lending institutions will not agree to grant loans.

7, the age is not up to standard want to apply for online loans, then the age of the need to meet the requirements of the lending institutions, at least the age of the need to be 18 years old or more, there are some lending institutions on the age requirements will be more stringent, the age does not meet the requirements of the natural and not be able to get a loan amount.

8, do not have civil behavior ability such as because of the body or other reasons so that they can not bear the debt relationship, in this case the platform in order to ensure their own interests, will not be agreed to the loan application.

You can see that there are many reasons for being rejected by multiple online lending platforms, so you can see where the problem lies in comparison to your own situation, and then make adjustments according to the requirements of the lending institutions to make your qualifications meet the requirements of the loan.

You can get a big data report in, Xiaoqi Xincha, to check your overdue records, and categorize your online loans, the formal and informal ones, and the ones that are on credit and the ones that are not. If you want to pay back but don't have enough money, then negotiate with the online lending platform and prioritize paying back the formal creditworthy ones to minimize the impact on you.

Three, there are always online loans call to ask if you want a loan is how it is?

Users always receive calls from online lenders asking users to take out a loan, usually because the user's personal information is leaked.

Applying for an irregular loan, or filling out and registering some information on a daily basis, may leak personal information.

When personal information is leaked, some merchants get access to the user's information and call the user's phone number to promote their goods or services.

Users must be careful not to leave personal information such as name, cell phone number, ID number, etc. easily in their daily lives, and also if they often receive calls from loan promoters, then they can block them through blocking software.

Users must fill in the loan information themselves and submit the loan application, then it is considered to have applied for the loan.

Just by answering the call, the user will not be forced to apply for the loan by the other party.

It is important to note that some lenders also record phone calls, so users should not reply to the phone calls with words such as "yes" or "yes", otherwise they may be perceived by the other party as wanting to apply for a loan.

What to do if you can't get a loan with big data

The first thing you need to do is to know what causes it, and then correct it according to those causes. But there are some that there is no way to correct. For example, there is no way to change a bad personal credit, a bad record in the credit (after late return) will be kept for at least 5 years, and will be automatically eliminated after 5 years.

If the loan big data can not pass because of their ability to repay caused by the lack of, this time you can increase the guarantor, increase after the bank will usually pass the audit. If you don't want to add a guarantor, you can reduce the amount of the loan, and then your ability to repay will meet the bank's requirements.

Borrowers need to be at least 18 years old, have a stable job and be able to return the loan on time, and be able to provide a valid personal identification, the bank's last six months of water, there is a credit report, the above points are the basic conditions for the loan, according to the type of loan you also need to submit other information.

Before applying for a loan, be sure to assess your repayment ability, predict the situation that may arise and the ability to cope with it, for example, if you have a disease, there is no money to cure, the work will fluctuate, etc., these are the things that need to be taken into account, after all, after the loan repayment is a long time, especially the mortgage, the repayment period as long as 30 years.

How to eliminate the big data of online loans.

The bad data on the online loan big data can not be deleted or changed by human beings, but only through time, slowly update the latest data to cover the previous bad data.

Generally there are three main situations that affect the big data of personal online loans:

1. Overdue online loans;

2. Too many applications for online loans;

3. Too many inquiries by institutions.

To get rid of bad data, you first need to know what is wrong with your personal online credit.

If there are too many applications, it is still possible to improve your personal online loan credit, as long as you suspend your loan applications for three months, there will be a significant improvement; however, if there are other bad data, you will need other ways to improve.

You can look up: Baiyi Data on the home page of WeChat.

You can then check your online loan big data report.

The database is docked to more than 2,000 online loan data centers across the country, and the data is real and accurate.

Able to view the number of user applications, online lending data, net black index score, hit risk tips,.

The database can not only query the user's information, but also whether the user has arbitration case information, criminal case information, information, whether it is a defaulter and other information.

Why are loan applications always rejected?

If an application for a loan is often rejected, it should be related to several factors.

One, you may not have entered enough real personal information when applying, such as a scribbled emergency contact.

Two, your personal debts may be high.

Three, the individual's big data credit profile is poor.

Here we mainly talk about the third point, the individual's big data credit status, for the general lending institutions, is one of the information must be viewed, because from the individual's big data credit report above can see the individual's usual borrowing habits, the frequency of application for loans, whether or not there is a relevant bad operation, if there is, the credit risk score will be very high, then naturally, it will be judged that the customer does not have the ability to pay back the loan. The ability to repay, basically is rejected.

So before applying for a loan, you can first go on: small seven letter check, check their credit status, if the credit is not good, it will be held back for a while, so that the credit risk score is not high, the stains are almost none, and then go to apply, it will be easier to pass.