There is no way to apply for a loan if the comprehensive score is insufficient. The comprehensive score is a comprehensive examination of the internal and external subjective and objective environments that affect the individual and his or her family, as well as their ability to fulfill various economic commitments. Make thorough judgments and assessments. The credit scoring system it is located in refers to a statistical and evaluation system that assigns different scores based on the borrower's borrowing and repayment history, credit status and other information to determine whether to approve a loan or credit limit.

According to Article 11 of the "Interim Measures for the Administration of Personal Loans", personal loan applications should meet the following conditions:

(1) The borrower is a Chinese citizen with full capacity for civil conduct*** Chinese citizens or overseas natural persons who comply with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and has no major bad credit record;

(6) Other conditions required by the lender.

Extended information:

Article 42 of the "Interim Measures for the Administration of Personal Loans" If a lender has any of the following circumstances, the China Banking Regulatory Commission shall In addition to taking regulatory measures in Article 11, they may also be punished in accordance with Articles 46 and 48 of the Banking Supervision and Administration Law of the People's Republic of China and the State Council:

( 1) Granting personal loans that do not meet the conditions;

(2) Signing a loan contract that does not comply with the provisions of these Measures;

(3) Violating the provisions of Article 7 of these Measures ;

(4) Entrusting a third party to complete all matters related to the loan investigation;

(5) Exceeding or disguisedly exceeding the loan authority in approving the loan;

(6) Instructing the borrower to fabricate circumstances to obtain a loan;

(7) The borrower's violation of the loan contract should have been discovered but was not discovered, or effective measures were not taken despite discovery;

(8) Other circumstances that seriously violate the prudent business rules stipulated in these Measures.

Baidu Encyclopedia - Interim Measures for Personal Loan Management

Baidu Encyclopedia - Personal Credit Score