Will I fail the final review?

Could you tell me the reason for the audit failure?

The reason may be that the comprehensive score of Alipay is too low, the frequency of using Alipay is too low, and the degree of use in other products is not enough; Does not meet the loan application conditions, real-name authentication problems. The applicant Alipay has not completed the real-name authentication and is under the age of 18. Improve Alipay personal information, bind vehicle, real estate information, provident fund, student status information, and bind credit card bills; Failure to pass the comprehensive qualification evaluation of the system, personal bad credit, credit card, loans overdue or other bad credit behaviors. If the applicant's sesame credit score is not enough or the previous use of flower buds is overdue, then the review may not pass.

The review of general loans will end within 3 working days, and the results will be notified by SMS. If the application fails, you can reapply after 180 days. In the end, whether the application of ant borrowing can be passed depends on the comprehensive score of the system. Active users with good credit conditions can generally get the amount of ant borrowing, and the amount of the amount must be determined by the system.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. 2018 65438+1October 9, according to the news of Shanghai TV, Alipay's small loan product "Ant Borrowing" violated the relevant regulatory regulations of the central bank by actively closing some user accounts to control the loan balance due to its high leverage ratio.

20211.7, according to feedback from netizens, Alipay loan has been updated as "credit loan", and the loan, review and repayment remain unchanged after the update. In fact, the name change is only to clarify the form of borrowing. According to the official, credit loan is a consumer credit service independently provided by financial institutions cooperating with Ant Financial, which will show the amount and interest rate of consumer credit service providers and users. It is the result of independent examination and approval by financial institutions, and the loan funds applied by users are also issued by financial institutions.

20211news, Lending Bao responded that Lending Bao is gradually promoting brand isolation, and many licensed financial institutions, including Ant Consumer Finance Company, will provide users with small consumer credit services. Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.

Excuse me. Why has it been censored? What are the reasons for the loan failure?

Each online lending platform has its own auditing standards. At present, the whole system is adopted for audit, and the speed of passing the system audit will be faster. Lending can help borrowers solve the loan problem as soon as possible.

Some users will encounter some problems in the process of borrowing money. Why is borrowing money always censored? What are the reasons for the loan failure?

Why has it been censored?

Most loans are automatically reviewed by the system, but some users will encounter manual review, which is slower than the system review, so borrowing users need to wait patiently for the system review.

If the review time of online lending platform is too long, you can consult manual customer service for specific review.

If the loan has been under review, it may also be the reason why the system is busy. Sometimes the number of people applying for loans on this platform is very large, which leads to the slow speed of system audit.

What are the reasons for the loan failure?

At present, the borrowing system is used for auditing. Alipay system will check the user's account usage, and the system will evaluate the comprehensive situation of each user. If the user does not meet the audit criteria, the user will not be able to successfully borrow money on the platform.

1. Alipay users have insufficient personal qualifications. For example, the debt ratio of some Alipay users is very high, and these users are overdue on other online lending platforms.

There are also some Alipay users who have affected their personal credit information due to overdue or illegal use of credit cards. Lending Bao will not provide loan services for Alipay users who do not meet the loan conditions.

2. At present, a large number of people apply for loans by borrowing, which leads to the system being in a busy state. Users are advised to refresh several times. If the platform has been busy, it is suggested that these users can wait for a while before applying.

3. Alipay users' accounts are in an abnormal state, and the system will think that these users have certain risks in borrowing money, and borrowing money will not provide loan services for high-risk users.

When users decide to apply for a loan by borrowing, they must keep their good personal credit information and don't overdue it on other online lending platforms. Good personal credit can help users get loans more smoothly.

What is the reason why the audit always fails when there is money to spend and borrow? How to improve the chances of passing?

In recent years, the number of online lending platforms has increased, which has helped many borrowers solve the problem of urgent need for money. The background strength of the online lending platform with money to spend loans is relatively strong, and the basic situation of borrowing users is reviewed by using advanced financial technology and big data.

Some borrowers are always unable to borrow money on online lending platforms such as Qianhua Loan, and users themselves want to find out the reasons for loan failure and improve their loan pass rate.

What is the reason why audits always fail?

When users fail to apply for loans when they have money to spend, it is mainly because their comprehensive credit score is insufficient. Because the audit of money must be conducted through the system according to multi-dimensional evaluation standards, it is impossible for anyone to interfere.

Users failed to pass the audit of spending money, mainly because of their personal credit, loan repayment, professional income and other related information.

The failure of borrowing audit is mainly related to the user's personal qualification certification and activity. Alipay users can't get loans from the platform without real-name registration system authentication when registering.

Alipay users must further improve their authentication information to ensure that they can pass the authentication. Some users can't capture more information of users because of their low account activity. It is suggested that these users can usually use Alipay to pay more.

How to improve the pass rate

Users should ensure that the personal information they fill in is true and effective when they have the money to apply for a loan. Baidu users should maintain good repayment habits when borrowing on the platform, and cannot overdue on other online lending platforms.

The loan is mainly audited by the user's sesame credit score. It is suggested that these users must find ways to improve their sesame credit. Alipay users can further improve their personal information and bind their own vehicle information or real estate information.

Alipay users usually participate in various activities launched by Alipay platform. For example, some users will often participate in public welfare activities, which will help improve users' sesame credit score.

When borrowing users can't always borrow money on these platforms, they must find specific reasons. Only by finding out the reasons for the failure of the audit can we really solve all kinds of problems encountered in the loan process and let ourselves solve the loan problem as soon as possible.

Excuse me. Why didn't the audit pass?

The reasons for the failure of loan review may be:

1. does not meet the loan application conditions, such as the applicant Alipay has no real-name authentication and is under 18 years old;

2. Failed to pass the comprehensive qualification evaluation of the system. If the applicant's sesame credit score is insufficient or the previous use of flower buds is overdue, it may not pass the examination.

The review of general loans will end within 3 working days, and the results will be notified by SMS. If the application fails, you can reapply after 180 days.

The difference between flower bai and borrowing bai lies in three aspects:

First, the method of use

Bai Hua is an online consumer financial service product, which is essentially a credit consumption, similar to a credit card, and has a certain interest-free period. As long as you don't use the installment function and repay in full and on time, you don't have to pay any fees. However, unlike credit cards, flower beds cannot be withdrawn or transferred, and the quota can only be used for consumption. This is also one of the main differences between flowers and borrowing.

Lending treasure is a personal consumption loan product. Users can apply for loans from accounts or bank cards, and then use the loans for personal daily consumption, decoration, travel and so on.

Second, the cost

As mentioned earlier, flower buds are similar to credit cards and have a certain interest-free period. As long as you don't use the installment function and repay in full and on time, you don't have to pay any fees. If the minimum repayment amount is used, the remaining unpaid principal shall be calculated from the day after the due repayment date and credited to the bill of next month; If you use Bai Hua installment payment or bill installment payment, there will be corresponding installment fees, and the specific fees will be subject to the page display; If the flowers are overdue, there will be overdue penalty, and the overdue fee = overdue amount *0.05%* overdue days.

The loan interest is calculated on a daily basis. Because the comprehensive evaluation of each account is different, the interest rate given will be different. The specific interest rate is subject to the actual display on your loan page. Of course, there is a penalty interest for overdue.

Third, the amount.

The amount of flowers and loans is given by the system according to the evaluation results of users' comprehensive situation and account usage, so the amount of each user is different under different circumstances, and the amount is not fixed. The system will evaluate the user's situation from time to time and may adjust the user's quota.

The maximum amount of flower buds is much lower than that of borrowing buds, so if users open flower buds and borrowing buds at the same time, the amount of flower buds will generally be lower than borrowing buds.