Generally speaking, the platform has risk control monitoring on users' borrowing behavior, and there are many reasons why the quota is frozen. Someone asked that his loan was never overdue. Why is it controlled by the wind? Then let's briefly talk about this problem for everyone.
Why are loans never overdue? 1. Users illegally use funds. For example, consumer loans, for example, have clear provisions on the use of funds and cannot flow into the housing market, stock market and other fields. If the user does not use it as required, it is likely to be controlled by the wind. 2. The product is illegally used. Taking flower buds as an example, users can use flower buds for online and offline consumption, but users are not allowed to extract them. However, some users illegally find a third-party merchant to extract it, which will definitely have an impact if it is discovered by the platform. 3. The consumer behavior is abnormal. For example, credit cards are often swiped during non-business hours, and the amount is large, and they are in the same store. So it will be monitored by banks, and so will similar loans. 4. The user's qualification has changed. When reviewing the comprehensive situation of users, the platform not only looks at credit information, but also obtains other data, such as e-commerce data. If you know that the user's delivery address changes frequently, you may feel the risk of instability. The above is the answer about "why loans are never overdue and are controlled by the wind". I hope I can find it helpful after reading it. Generally speaking, it is not only overdue that triggers platform risk control, but also some illegal consumption behaviors, improper use, and qualification changes may trigger risk control.
2. What are the risks of mortgage loan?
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The risk of default includes compulsory default and rational default. Compulsory breach of contract refers to the passive behavior of the borrower, and the theory of ability to pay holds that compulsory breach of contract is caused by insufficient ability to pay. This shows that the borrower has the willingness to repay, but has no ability to repay. Rational breach of contract refers to the borrower's active breach of contract. Equity theory holds that only by comparing the unique rights and interests in his house with the size of mortgage debt can people make a decision on whether to breach the contract. When the real estate market price rises, the borrower can transfer the house to pay off the loan and recover the cost, and the market price drops. In order to pass on the loss, the borrower will take the initiative to default even if he has the ability to repay.
1.2 liquidity risk
Liquidity risk is an important principle that short-term deposits and long-term loans are difficult to prove the quality of assets. Today, liquidity risk is reflected in two aspects. First, at present, China's housing loans mainly come from provident fund and savings deposits. Savings deposits absorbed by banks belong to short-term deposits, generally only three to five years, while housing mortgage loans belong to long-term loans. This short-term deposit and long-term loan behavior brings liquidity risk. Second, the assets and creditor's rights held by banks are not easy to be realized, which easily leads to liquidity risk. It will create more favorable investment opportunities in the silver market and increase the losses caused by opportunity costs.
Business cycle risk refers to the risk caused by the periodic fluctuation of the overall level of the national economy. Compared with other industries, the real estate industry is more sensitive to the business cycle. With the expansion of the economy, the demand for real estate in the residential market has increased, and the realization of houses is full of optimistic expectations, and the number of housing mortgage loans issued by banks has also increased sharply. The economy is depressed, the unemployment rate is rising, and the income of residents is sharply reduced. The house has been mortgaged to the bank and cannot be realized. At this time, banks are faced with a large number of "bad debts" due to the risk, rights and losses of mortgage loans, which can easily lead to credit crisis and even bankruptcy of banks.
1.4 interest rate risk
The risk brought by the asset value of a bank is caused by its business, and the fluctuation of interest rate will bring losses to the bank whether it rises or falls. If the interest rate is also raised, it may increase the repayment pressure of borrowers. The higher the loan amount, the longer the loan term and the greater the impact, thus increasing the risk of default. If the interest rate falls, borrowing or re-borrowing at a low interest rate will bring risks, mainly because the occurrence of early loans makes it difficult for banks to strengthen their assets and liabilities.
Risk prevention of housing mortgage loan
In view of the above risks, this paper puts forward some preventive measures from the following angles to minimize the effective amount of people's housing mortgage loans.
2. 1 default risk control
In view of the possibility of default by buyers, we should start with the following two points: First, after receiving the loan application from buyers, banks need to conduct a detailed investigation on the basic situation of buyers (such as income, assets and liabilities, the proportion of monthly payment to family income, the purpose of buying houses, etc.). ), and decide whether to lend and draw up the contract terms according to the survey results. The second is to review the credit of buyers. Audit indicators mainly include: total household income and savings certificate of buyers: family population, per capita monthly income; The ratio of monthly payment to monthly income.
2.2 Liquidity risk control
Housing mortgage loans have a long term, and the main sources of funds for loans are bank deposits and housing provident fund, and bank deposits have been in a basically stable state. However, the existing housing provident fund system still needs to be improved. Such as low coverage. According to the data of the Ministry of Construction, the number of employees who actually paid the provident fund in 2007 was only 7 1 879654,38+0,000; There is a phenomenon that the provident fund should be built instead of built. For example, some private enterprises have not yet established a housing provident fund system; The accumulation of provident fund is small and its popularity is not wide. In view of these problems, we should start to improve the housing provident fund system, so that the housing provident fund can effectively meet the housing financing needs of consumers and reduce the liquidity risk.
2.3 Economic cycle risk control
The real estate industry is closely related to the economic cycle, and personal housing mortgage loans should be set up.
Loan risk early warning system to prevent market and policy risks. First, establish a risk early warning database, obtain data from all aspects, continuously accumulate and improve the collection and collation of data, and lay a solid foundation for model development; The second is to develop a suitable risk early warning model and set reasonable parameters for early warning interval, warning line, index weight and probability density function; The third is to establish a rapid response and pre-control mechanism, deal with and resolve the potential risks shown by the risk early warning system in time, and minimize the risks brought by the economic cycle to housing mortgage loans. ?
2.4 Interest rate risk control
In view of the risks brought by interest rate changes, banks can take the following measures:
The first is to develop mortgage loans with adjustable interest rates, whose interest rates are regularly adjusted according to changes in market interest rates. Compared with China's current floating interest rate, the difference is that this periodic interest rate adjustment helps to improve the matching degree of bank deposits and loans, and the risk of interest rate increase borne by banks can be passed on to borrowers, and the risk of interest rate decline borne by borrowers can also be passed on to banks.
The second is to develop fixed interest rate mortgage loan, which refers to the mortgage loan method with fixed loan interest rate within the repayment period agreed in the mortgage loan contract. Under this model, banks bear most of the interest rate risks. If banks can obtain fixed-rate funds (such as issuing fixed-rate bonds) to match loans, they can avoid the corresponding interest rate mismatch and liquidity risk.
3. What are the problems in the risk control of consumer loans?
number; amount; how many; how much
What does 4.3 15 risk control mean?
3 15 risk control refers to the defects and bad behaviors of enterprises exposed by the "3 15 party" held by China Consumers Association every year, as well as enterprises complained by consumers. These enterprises cover catering, health care products, automobiles, electronic products, real estate and other industries. The main purpose of 3 15 risk control is to improve the public's knowledge and understanding of goods or services by exposing the bad behaviors and defects of these enterprises, guide consumers to consume rationally, and at the same time, make enterprises pay more attention to and care about the quality of products or services by punishing behaviors. At the same time, it can also be used as a standard to measure the business environment of Chinese people and provide reference for the future rectification and adjustment of enterprises.