Information > General articles > Raiders Channel > Wage flow >  text

There is a credit line but I cannot borrow money. Am I being routine?

Time: 2017-12-15         Source: Financial 360 finishing         Author: JA

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!

Only a few thousand loans urgently? Don't worry! Click here for the next paragraph, apply one minute, make a payment within one day, and WeChat pays attention to low interest(zqian360),One application for loan application card

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • Scatter cash, be careful and be circumvented!  Since the birth of Hua Yang, the steps to cash out have followed suit, from the Taobao shop to the current o2o platform. Some people have tried to use this to collect cash and seek improper gains, but they have been used by criminals, cash has not been caught, and they have backed up. debt. Online so-called handle flowers...
  • All are routines Applying for a credit card Have you been tricked?  Saying that, in this era, people need routines, chat needs routines, and even applying for credit cards actually have routines! And there are still many ways to apply for a credit card. If you are not careful, you may be in a tragedy. The credit card will not be able to go home with you! Think also...
  • Give credit card quotas, airline ticket change fees Are you being routine?  The Spring Festival approaching, to effectively curb the high tide of telecommunication fraud, at 9:00 on January 10, Hainan Province, anti-telecom fraud center in South Asia Square to prevent telecommunications network fraud to promote. At the same time, some police-discovered cases were announced to remind the public to avoid being defrauded. Case School...
  • There is a limit but can not lend? You may have neglected these things  The younger sister answered questions in time! Comrades and young girls will pick up a few representative questions each week in the background. I hope to help friends who ask questions. Of course, the younger sister (Cianbaodaizi) hopes to help other friends with similar questions. So don't think you have nothing to do with this...
  • Financial female white-collar P2P network loan thunder: one after another more than 100,000 quilt  The P2P network loan industry in China has experienced a mixed situation. In some P2P online lending platforms, customer funds and platform funds have not been effectively isolated, and there have been many cases where platform owners are involved in repayments; some of the platforms are aggressive in marketing and sell high-risk products to winds that do not have wind...