First, in order to reduce the economic losses caused by loans overdue, most lending institutions have a complete risk control system, which mainly judges whether the borrower has a certain solvency through the loan information, liabilities, repayment records and other related information provided by the borrower. The loan review and post-loan collection are the embodiment of the risk control means of lending institutions.
Second, the risk control of small loans is generally because borrowers are labeled as high-risk users by lending institutions and cannot successfully borrow. The reasons can be divided into the following points:
1, too many hard queries. Credit card audit, guarantee qualification audit, loan approval, post-loan management, etc. Are all difficult questions to answer. If there are too many records of such inquiries, lending institutions will feel that borrowers are short of funds and their repayment ability will be reduced. At this time, in order to avoid the risk of lending, they will control the risk of small loans.
2. There are overdue records of credit information. Good credit investigation is the premise for users to use microfinance normally. If users have overdue and other bad behaviors when using loan products in the past, they will be inquired by lending institutions, which will also affect the normal use of microfinance.
3. High debt ratio. High debt ratio will also affect the lending results of microfinance products. After all, the repayment ability of users with high debt ratio is open to question. In order to ensure the safety of funds, lending institutions generally do not agree to lend.
If the risk control is to be lifted, the borrower needs to communicate with the customer service of the lending institution to understand the specific reasons for the risk control. If it is because too many hard inquiries about credit reporting are controlled by the wind, then you must not apply for any credit products in the near future, and it will be better to apply for credit reporting. If it is caused by a small amount of loans overdue, it is necessary to settle the overdue loan first, wait for the overdue record to be eliminated, issue a settlement certificate, and then wait for the system audit; If high debt is the cause of risk control, then we can alleviate risk control by repaying some loans and reducing the debt ratio.
Generally speaking, if microfinance is controlled by the wind, we should first find out the reasons for it, and then take relevant measures to remedy it.