1. cleaning frequency: the cleaning frequency of overdue big data on online loans varies from platform to platform, generally ranging from several months to one year. This depends on the policy and actual demand of the platform, and there may be some changes.
2. Reasons for data cleaning:
-In order to keep the data accurate and reliable, it needs to be cleaned up in time.
-Avoid too many invalid or resolved overdue records, so that users can better understand the current borrower's credit status.
-Managing system resources: Cleaning up old data can free up storage space and improve system performance.
3. Data repair method:
-Update repayment information: After the borrower repays the loan, it will update relevant information in the system and repair its overdue record.
-Contact the borrower: communicate with the borrower by telephone, SMS, etc. , verify the overdue situation and update relevant records.
-Partner data synchronization: synchronize data with partner institutions or credit reporting agencies to ensure the accuracy and completeness of data.
Summary: Online loans with overdue big data are usually cleaned up once in a while to maintain the accuracy and reliability of the data. The cleaning frequency varies from platform to platform and can be adjusted according to platform policies and actual needs. Data repair is mainly achieved by updating repayment information, contacting borrowers and synchronizing data with partners.
Extended data:
Due to the limited scope in China, it is impossible to provide specific and relevant extended information.