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There is a credit line but I cannot borrow money. Am I being routine?
To understand this problem, you must first understand the logic of the loan control company. The general online loan company divides it into three links: pre-lending, loan-in-lending, and post-lending, according to common methods.
Pre-credit risk control
Information submitted, some information will be verified in real time, and some information is only collected to facilitate the risk control of the following links. In real-time verification, the most basic is real-name authentication and verification that I applied for.
The information auditing, after obtaining user submission information, system retrieval information, and third-party data, runs various types of risk control rules based on these data, and filters out users who do not meet the rules.
After obtaining the quota, after filtering out the fraudulent user in the auditing stage, the user who passed the audit will be privy to risk pricing, including the quota and fixed rate. In this regard, some cash loan products are very simple and they are priced directly through sesame seeds. The so-called giants shoulders are a very easy way out.The general practice is to score users based on internal and external data through a credit scorecard model. For example, common sesame, white credit, Tencent credit, etc.The general cash loan company has its own scoring system and model, such as credit scores. Furthermore, according to the individual credit rating of the user, different loan quotas and interest rates are given, and risk pricing is conducted.
Loan risk control
1. The loan application is the process of selecting the amount, time limit, and use of the loan.
The loan review is mainly due to two considerations:
1)See whether the amount of funds is sufficient or not, to control the amount of orders. If the platform's funds are insufficient, order review will be based on certain rules and the pass rate will be lowered.
2) againVarious blacklists, graylistsIn order to prevent users from getting black during the period from obtaining the credit line to initiating the loan application.
3) If it is a loan-assistance platform, after pushing the assets to the co-funding party, the fund-side party also has its own set of risk control rules to check whether the assets meet its own risk control requirements, mainly through various blacklists.
Your problem is that the pre-lending audit has given you a credit limit, but there is no audit of the loan. Therefore, there are probably three reasons why we cannot make loans. One point is its own reason. Two points are related to online loan companies.
First, the online loan platform itself has sufficient funds when granting credits, and insufficient funds when lending funds.
Second, during the time from your credit to the loan,Some sort of blacklist, or borrow a lot of loans, some online loan platform will check long loan.
Third, the network loan platform funds through the help of credit model and other companies to cooperate, in the loan will run blacklist of funds, you are not a blacklist of online loan platform, but in the fund's blacklist.
Borrowers typically fall into three categories:
The first category, I call quality customers, not only those customers with normal water flow and high reputation, such customers are generally preempted by the major banks, after all, regardless of channel, interest rate, bank is the best choice!
In the second category, I refer to customers who need funds, but have certain difficulties and reputations are more or less speckled. Such customers are generally owned by some commercial banks or private funding agencies. After all, such customers have There is still a certain potential for risk, but you can avoid some risks through strict risk control measures! However, such customers have to pay more than the first type of customers
The third category, I call it a garbage client. Why? The customers that have been screened out by major banks and private institutions are the only ones I can call this way! Such customers, regardless of their assets and reputation, are often exposed to various types of online loan companies because of the ease of approval procedures, or the fact that they can make fraudulent payments. Relatively speaking, such customers do online lending without a choice, of course. Interest rates are good, and both control and control methods have to pay much more!
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