What should I do if the comprehensive evaluation of 360 IOUs is unqualified?

If the comprehensive evaluation is unqualified, it is impossible to apply again in a short time, and it will take some time. Generally speaking, you need to wait at least one month. If it is stable, you can wait 2-3 months before applying. During this time, it is enough to solve the reasons for not passing, and at the same time, other products of 360 can be used more, which can increase the chances of applying for approval again.

I. 360 IOU is a personal and micro-credit platform under 360, which was launched on September 20 16. It evaluates customers' credit based on 360 big data and provides instant consumer loans on this basis. It objectively presents personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas. Relying on the advanced Internet security technology and big data technology of 360 Group, 360 IOUs are committed to improving the domestic personal credit information system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all social groups with financing needs based on massive user credit data and behavior data. The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the corresponding amount may increase.

Second, the advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team. 360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations. As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, excellent talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.

Third, 360 Baitiao takes multiple measures in terms of security and risk prevention and control: 1) Establish a credit portrait of users, and 360 Baitiao establishes a credit information system based on sufficient social network data, which will sort out the credit behavior portrait of each user and grade the credit limit of users. 2) Establish a social behavior model, 360 build a credit score calculation system based on the user's social circle, and take the user's personal relationship as a credit rating reference. 3) Establish a white list and blacklist system to open a green channel for high-quality credit users, and on the other hand, provide inquiries for blacklisted users to prevent users from applying repeatedly, others from applying, providing false information, and preventing gang fraud. 4) Leading security technology, relying on 360' s leading cloud security system, 360 borrows a number of technologies to protect users' data security, privacy security and account security. 5) Professional and high-quality team, 360 has a leading domestic high-level safety technical team and a risk control team from a large domestic financial institution.