First, it's been useless for a long time. As we all know, online business loans usually do not increase easily, which is generally determined by the user's usage. If your online business loan has not been used for more than half a year, the possibility of being reduced is more than 80%. After all, resources are limited. If you don't have this demand, you must give it to those who need loans.
Second, always prepay. Online merchant loans can be repaid at any time, but the loan market also has its own "hidden rules". Many platforms are reluctant to pay back the money in advance, because one more day the platform can earn one more day of interest. In addition, paying back the money in advance shows that you are not short of money, and it is reasonable for online merchants to reduce loans for you.
3. Abnormal credit. There are many conditions that need to be met in the opening of online merchant loans, and credit is the most critical point. If there is a problem with your credit recently, it is inevitable to reduce the limit. In addition, if your store violates the rules, it will also be reduced, and it may even be closed directly.
Fourth, by encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
5. Peer-to-peer lending includes personal peer-to-peer lending (P2P 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 the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.
6. Network microfinance refers to the microfinance provided to customers by Internet companies through their holding microfinance 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 China Banking Regulatory Commission.