1, the number of loan platforms has decreased, and the loan review has become stricter. In recent years, the state has been guiding the steady development of the credit industry, and has made clear provisions on loan interest rates and collection. Many non-compliant loan platforms are offline, and there are fewer loan channels. In addition, in order to control risks and maintain profits, lending institutions have stricter requirements for borrowers.

2. The borrower's work or income is not good. If the borrower does not have a stable job, income source, or is engaged in high-risk industries, it is difficult to meet the requirements of lending institutions, and it is easy to fail the audit.

3. The borrower's credit status is not good. If there are many overdue records on the borrower's credit information, or there are overdue loans at present, it is easy to be rejected if you want to apply for a loan. It is suggested that when you use credit products, you should maintain good repayment habits and safeguard your credit information.

4, long-term borrowing, the debt ratio is too high. If the borrower has a lot of loans in his own name, or the credit card line takes up too much, which leads to his high debt ratio, it is difficult to apply for loans smoothly.