If the loan application is often rejected, it should be related to several factors.

First, the personal information you entered in the application may not be true enough, such as being scribbled down by an emergency contact.

Second, personal debt may be relatively high.

Third, the credit status of personal big data is not good.

Here, I mainly talk about the third point. For general lending institutions, the credit status of personal big data is one of the information that must be checked, because from the personal big data credit report, you can see your usual borrowing habits, the frequency of applying for loans, and whether there are related bad operations. If there is, the credit risk score will be very high, and it will naturally be judged that the customer does not have the repayment ability and is basically rejected.

Therefore, before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

What are the reasons for the rejection of online loan applications?

1. If the online loan is rejected and the money is urgently needed, the customer can try again with another online loan product. Maybe this online loan can successfully borrow money. Of course, if you apply for online loans several times and are rejected, it may be that you have recorded personal bad behavior in big data. In this way, it is more difficult to successfully apply for online loans. After all, information is interoperable among many platforms.

In this case, you can try to apply for a loan from the bank. Because banks generally measure the credit status of customers by reviewing their credit reports, rather than evaluating them through big data. Therefore, as long as customers meet the loan conditions proposed by the bank and have good personal credit, they will have the opportunity to apply for bank loans. Of course, compared with online loans, bank loan conditions are stricter and it is not so easy to apply. In fact, personal credit is very important Maintaining good credit will bring a lot of help to customers in handling loans and credit cards. On the contrary, if personal credit is not good, it will cause many obstacles.

Online loan introduction:

1, online lending, mbth is Internet lending, and p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

3. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Online loans are not overdue but are always rejected. What is the reason?

If a customer's loan application is always rejected, it is probably due to the following reasons:

1, customer's credit is not good.

Because whether banks, lending institutions or platforms, in the process of loan approval, they will review the customer's credit report or big data to understand the latest credit situation of customers. Therefore, once the handling banks (lending institutions and platforms) find that there are bad records in customer credit reports or big data recently, most of them will refuse to lend money because they are worried about the risks in loans overdue.

2. There is also long-term borrowing.

If customers frequently apply for loans, it will easily lead to personal credit reports or big data becoming "flowers", too many loan records and even long-term lending. If there are still many credit products under the name that have not been repaid, it will also appear that the personal debt ratio is too high. In this way, banks (lending institutions and platforms) are likely to worry about the unstable economic life and insufficient repayment ability of customers when approving loans, and it is easy to reject customers' loan applications.

If you are not clear about your debt and online loan data, you can quickly query from Xiaotian and get a big online loan data report, which contains online loan application records, overdue details, blacklists and other data.

Extended data:

What should I do if the online loan application is rejected too frequently?

If too many applications for online loans are rejected, it is best not to apply for loans in a short time, but to keep personal credit first and maintain a good credit record. If the capital turnover is really insufficient, you can choose to find friends and relatives to turn around or swipe your credit card.

And the online loan being used should also pay attention to the repayment time. It is best to set the repayment time in advance, and there can be no overdue situation, otherwise it will have a negative impact on personal credit.

Ping An Pratt & Whitney policy loan was rejected. What is the reason?

First, the Ping An Pratt & Whitney policy loan was rejected, probably because the user's credit information did not meet the requirements of financial institutions.

When users apply for policy loans from Ping 'an Puhui, it is only the basic condition for users to apply for loans. Financial institutions that cooperate with Ping An Pratt & Whitney will also review users' credit information. If the user's credit information does not meet the requirements of financial institutions, then the user's policy loan may be rejected.

When a user applies for a policy loan through Ping An Pratt & Whitney, the financial institution cooperating with Ping An Pratt & Whitney will inquire about the user's personal credit information and match it with the user's credit information according to the credit information requirements of the financial institution. Users can only obtain policy loans from financial institutions if they meet their credit requirements. If the user does not meet the credit information requirements of financial institutions, the user's policy loan application may be rejected.

Second, the Ping An Pratt & Whitney policy loan was rejected, probably because the user's big data did not meet the requirements of financial institutions.

When a user applies for a policy loan from Ping 'an Puhui, the financial institution will inquire about the user's big data, mainly including the number of times the user applied for a small loan, small loans overdue and other information. When users apply for small loans too many times, it will affect the user's policy loan approval.

If users frequently apply for small loans, the number of inquiries will exceed the requirements of financial institutions. For users who frequently apply for small loans, there is a high probability that they are relatively short of funds. In order to obtain funds, users will frequently apply for small loans. For users who are in urgent need of small loans, it means that users' funds are very tight, and even small loans are not spared. Financial institutions will judge such users as users with poor repayment ability and refuse them to apply for policy loans.

Third, the Ping An Pratt & Whitney policy loan was rejected, probably because the user's income did not meet the requirements of financial institutions.

When a user applies for a policy loan from Ping An Puhui, the financial institution will analyze the user's income and require the user's income to match the loan. If the user's income cannot meet the repayment requirements of the loan, the user's policy loan will be rejected.

Users need to repay any loans they apply for. When auditing users' repayment ability, financial institutions pay special attention to users' repayment ability in order to ensure that users can repay on time and require users to have strong repayment ability to support policy loans. The policy loan itself is based on the policy to give users a certain amount. If the user's loan amount does not exceed the amount of the policy, the risk to financial institutions is relatively small, and the loan can be recovered by disposing of the policy. In this case, if the user has other debts that may default, it may also bring risks to the policy loan.

If the amount of the policy loan exceeds the amount of the policy itself, the risk of the policy loan will be greater. Financial institutions will analyze the user's income and comprehensively consider the user's other liabilities to ensure that the user has strong repayment ability before issuing loans.

Fourth, Ping An Pratt & Whitney policy loan was rejected, probably because the contact person filled in by the user was a blacklisted user of a financial institution.

Ping An Pratt & Whitney's current risk control system is very strong. The user's data will be reviewed through the risk control model on Ping An Line, and the users will be comprehensively analyzed in combination with the blacklisted users of Ping An System.

Users need to fill in the contact number when applying for a policy loan. These contacts include immediate family members or friends. If the contact person filled in by the user is a blacklisted user in the Ping An system, the user's loan will also be rejected. From the perspective of financial institutions, the immediate family members or friends of loan applicants are blacklisted users, so loan applicants may also have greater risks. For risk reasons, financial institutions will directly reject the loan application of such users.