1. Bad credit information of borrowers: Goose Money, as a consumer credit product, requires higher credit information of borrowers. There are many overdue records on the borrower's credit information, and the overdue circumstances are serious, even if there is a limit, it can't be used normally.
2. The borrower's debt ratio is too high: Goose will evaluate the borrower's repayment ability when spending money. The borrower's current debt ratio is relatively high, exceeding 50%, indicating that its current repayment ability is poor and there is a great loans overdue risk.