1, college students
According to state regulations, except for special loans such as student loans and college students' entrepreneurial loans, no lending institution may open loan channels for college students. In order to meet the national policy, Alipay closed the college student loan system on 202 1.
So many college students will find that their loans are gone. After all, most college students have no stable source of income and are easily brainwashed by consumerism, resulting in impulsive shopping.
2. Bad behavior
In 20021year, the state imposed stricter supervision on bad behaviors in the credit market, so Alipay system strengthened disciplinary measures for users with bad repayment habits. If the user is often overdue when using the loan, Alipay will close the user's loan on 202 1. Users who have been closed by Alipay need to wait for more than three months if they want to apply for a loan again, so as to increase the sesame credit score. At the same time, Alipay will re-evaluate the user's personal qualifications, and if it passes, it can continue to use the loan.
related news
1, 2018 65438+10.9, according to the news of Shanghai TV, Alipay's small loan product "Ant Borrowing" voluntarily closed some user accounts because of excessive leverage, which violated the relevant regulatory provisions of the central bank to control the loan balance.
2.2065438+In April 2008, when the credit card limit was lowered by 80,000 yuan, Liang Yiming borrowed 60,000 yuan from several platforms, such as Lending Bao, Micro-loan, Paipai Loan and Ping An Pratt & Whitney. However, after giving his wife and children living expenses and mortgage, the money left every month is not enough to repay these loans. However, when he still repaid the loan on one of the platforms and planned to take it out again to repay other loans, he was prompted that "the comprehensive score is insufficient and the loan cannot be made for the time being". "I can always borrow several times, and there are more than 20,000 quotas. I want to lend it out and pay my debts after I pay it back. The result is that it can't be lent out. Said let me supplement the information and borrow it in a month. But after a month, you will still get the same result. " The debt is pressing. Finally, it can only be delivered to the 7 14 anti-aircraft gun platform. To this end, Liang Yiming borrowed three books at a time and returned them all. After paying off the loan owed, there is even a surplus in hand. At that moment, he felt that he could live a stable life for the time being this month. However, people who are caught in the 7 14 anti-aircraft gun loan will not have a stable life.