If the interest of installment music becomes higher, it is mostly because the credit level of customers is lower than before. We should know that the interest rate of installment music is not fixed, but will be adjusted according to the comprehensive evaluation of the system with the irregular evaluation and audit of the system. Therefore, if the comprehensive score of the system decreases, the interest rate may naturally be increased by the system. However, the decline of credit level leads to the decrease of the comprehensive score of the system. In detail, it may be that the customer's credit is not good recently, for example, the repayment has not arrived on time, and it has been overdue. Although the debt was paid off quickly and the circumstances were not too serious, it still led to credit damage; It may also be that customers have frequently applied for a large number of loans recently, resulting in long-term borrowing and high debts, and the system is worried that customers' repayment ability is insufficient. We also need to note that if there are always risky operations such as illegal cashing, or bad behaviors such as frequent modification of account information and replacement of equipment login, resulting in increased account risk, the system is likely to control the risk of the account and raise interest rates.
3. Staging music is a high-quality staging shopping center under Lexin. Founded in June 20 13, it is the first governing unit of China Internet Finance Association and the first batch of 17 Internet financial credit information sharing units. Established official cooperation with many famous brands such as Apple, L 'Oreal and Philips, and became the third largest Internet channel after JD.COM and Tmall.