You can get a lot of information by calling the contact number, such as the income of the user's work unit, family situation, debt situation, bad hobbies (gambling and the like) and so on. , and then compare the information on the application form to see if there is any doubt. If the situation is serious, it may be rejected directly. Therefore, when many users borrow money, salesmen generally remind their contacts to "answer the phone".
If the follow-up user fails to repay the loan within the time limit and refuses to contact, the platform will call the emergency contact person to ask him to help tell and remind the user to repay the loan, or ask the emergency contact person to repay the loan on his behalf. Because emergency contacts are usually immediate family members, many people will help after receiving the call.