The user's economic level is low or the income is not stable enough, and the bank flow cannot meet the loan evaluation standards for money to spend. The loan under the user's name has become overdue. Youqianhua will check the user's personal credit system. If there is an overdue record in the user's personal credit system, the user will not be able to get another loan. The user's information is untrue or incomplete. The user's ID card has a validity period. If the ID card expires, the loan cannot be taken again.
1. Online lending, p2p online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory in the Internet financial industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.
2. In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support the P2P online lending institutions are connected to the credit reporting system.
3. The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging business format. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation.
4. Promote the healthy development of Internet finance and better serve the real economy by encouraging innovation and strengthening supervision to support each other. Internet financial supervision should follow the principles of "legal supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and rationally define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely Crack down on illegal activities and irregularities.
5. Online lending includes individual online lending (i.e. P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court.
6. Internet micro-loans refer to small-amount loans provided by Internet companies to customers through the use of the Internet through micro-loan companies controlled by them. Online small loans should comply with existing regulatory regulations on small loan companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.