The bank's approval of loans is divided into several parts.

1. Qualification section

Only those who meet the loan conditions and qualifications of a bank can be approved.

2. Credit information section

Banks still attach great importance to credit reporting, because credit reporting represents a person's willingness to repay and trustworthiness, so credit reporting must meet the standards set by banks, such as: no overdue at present, no overdue for more than 1 month in the past six months, no overdue for more than 2 months in a year, and so on.

3. Big data part

2065438+April 2008, the detailed version of credit information was reformed to be more detailed, and then the bank was connected to the big data system. Big data makes up for the part that credit information can't reflect, so if big data is rejected, it means that there are more recent inquiries or small online loans, which leads to insufficient big data scores.

Tips: Big data contains a lot of information, and no one can fully explain it. So since the bank connected to the big data system, no one can guarantee 100% loan.