1, bad credit.

Every time a user borrows money from a borrower, the platform will query the user's credit status in real time. If it is found that there are overdue debts under the user name, or there are many overdue repayment records, or the recent credit information has been frequently inquired by financial institutions, these will lead to an increase in the risk level of users on the platform, which will lead to loan failure.

2. High debt ratio.

If there are other outstanding credit products under the user name and the debt ratio is relatively high, these will make the platform think that the user's risk tolerance is low and there is a great overdue risk. Due to the risk of lending, the platform will not let users borrow money from lending.

3. Illegal use of loan funds.

As a personal consumption loan product, borrowing has clear requirements on the use of funds and can only be used in daily consumption fields such as shopping, tourism, home improvement, education and training.

If the funds are used for other purposes, such as business, investment and wealth management, gambling and other prohibited areas, the credit score of users on the platform will be reduced, which will lead to the failure of lending.

4. Personal data is not updated in time.

If the personal information is not updated in time, such as the expired ID card, the platform cannot know the real situation of the user. For the sake of financial security, the platform will not consider lending money to users for the time being.

5. The loan amount or quantity exceeds the limit.

According to the regulations, the amount of a single loan cannot exceed 40,000 pounds, and the number of outstanding loans cannot exceed 20. If the amount of a single loan exceeds 40,000 or the number of loans reaches the upper limit, it is naturally impossible to borrow from the loan.

6. The collection bank card is abnormal.

The loan can only be lent to the first-class account debit card with normal status in my name. If the status of the bank card is abnormal, such as the card is frozen and the daily collection has reached the upper limit, the loan will fail.

7. This account has security risks.

If users frequently modify personal information, or frequently change login devices, or have suspicious transactions that need to be verified, these will lead the platform to think that the account has security risks and theft risks, thus preventing users from borrowing money.

8. Income is unstable.

Stable income can ensure that users can continue to repay loan funds on time. Once the platform monitors the instability of users' income, in order to control the loan risk, the platform will not consider lending.

9. The lending environment is unsafe.

When lending money, the platform will monitor the user's current borrowing environment in real time. If it is found that the user's current IP is far from the latest Alipay offline trading place, the platform will suspend lending to ensure the safety of funds.

10, the comprehensive score is insufficient.

When lending money, the platform will not only consider the above reasons, but also comprehensively evaluate users from multiple dimensions such as Alipay account activity, guarantee for others, and online loan big data.

If the comprehensive score is insufficient, it is impossible to borrow money.

Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can clearly understand the problems existing in your online loan big data in the "balloon check", accurately and completely query, and solve the problems in online loan big data in time.

Extended data:

What are the consequences of Alipay's overdue loan for one day?

If Alipay is overdue for one day, it will have the following adverse consequences.

1. One-day overdue penalty interest will be generated, and the overdue penalty interest of the loan will be charged at 0.5 times of the agreed loan interest rate of 65438+.

2. The overdue situation will be reported to the central bank for credit reporting and submitted to Sesame Credit, which will lead to personal credit damage and the sesame score is likely to decline.

3. The system may implement the risk control of the amount reduction, and may even freeze the amount and close the account, resulting in the inability to borrow any more.

Due to credit problems, borrowing from other financial institutions may be rejected.