What is the reason for the failure of borrowing and borrowing, and what is the reason for the failur

1.According to Alipay's latest regulations, if the user has multiple overdue and malicious cash-out behaviors in the process of using Huabei or Borrow, after being detected by the Alipay system, the user's Huabei and Borrower will be forcibly suspended. So, if you find that your IOU shows that you can't borrow money, you can check if you're overdue.

2. As a student, according to the latest national regulations, the microcredit platform shall not provide any lending services to students without financial income. So this year, the borrowing channel has been closed for school students. If a user finds that they can no longer request a loaner, it may be because their information shows that they are enrolled in school.

If the user finds that he or she is unable to borrow, it may be caused by the following reasons:

1.Violations.

According to the latest regulations of Alipay, if the user has multiple overdue and malicious cash-out and other bad behaviors in the process of using Huabei or borrowing, after being detected by the Alipay system, the user's Huabei and borrowing will be forcibly closed. Therefore, if the user finds that he cannot borrow on his borrowing, he can check whether he is overdue.

2.The status is a current student.

According to the latest regulations of the state, microfinance platforms are not allowed to provide any lending services to students who have no financial income. Therefore, borrowing has been closed to school students this year. If a user finds that he or she can no longer apply for a borrowing product, it may be because his information is displayed as a student at school.

3.Make frequent early repayments.

Although the borrower officially supports users to repay in advance, because Ant Borrowing is a product calculated according to the daily interest rate, if the user chooses to repay in advance, it may cause the borrower system to fail to earn income. At this time, the system may also suspect that the user is suspected of cashing out, and in order to avoid the risk of borrowing, the user's borrowing credit line may be withdrawn, resulting in the user being unable to borrow again.

Ants borrow. The reasons for the failure of the loan may be due to the following reasons:

1. The borrower does not meet the application requirements.

Under normal circumstances, if the borrower's personal qualifications are insufficient, such as having high debts, having a bad record of overdue loans on other platforms, being punished for illegal use of funds, etc., it will lead to the failure of the borrower's application for liquidation.

2. The server is busy.

The current volume of borrowing is very large, so it is inevitable that the server will be busy due to the large number of applicants. If you encounter this situation, you can refresh it a few more times, and if the application quota button does not turn gray after refreshing, there is hope for answering.

3. There is an abnormal situation.

If there is an abnormality in your current borrower, the system will usually automatically determine that there is a high risk, and the general borrowing will not be successful.

Extended Materials. 1. About borrowing.

1. "Borrowing" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay as you go.

January 9, or for excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance.

On November 8, it was reported that the name of Alipay's "borrowing" had been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

2. There are the following ways to solve the failure of ant borrowing:

1. If the application fails because the loan qualification is not enough, then you can optimize your personal qualifications, use Alipay's functions reasonably at ordinary times, and wait for the system to re-score before applying.

2. If the application fails because the server is busy, you can try it in a different network environment to see if it is caused by your current poor network environment. If not, then it is likely that the quota of the day has been applied for, so you can refresh and try it many times or apply at 0:00 the next day, so that the probability of passing will be higher.

3. If it is because there may be abnormal application failure, you can consult Alipay Xiaomi to find out the reason, and change your Alipay password in time to ensure the current security.

Operating environment: Honor Alipay.

1.Changes in user qualifications. In order to ensure the safety of funds, the borrower will examine each user's personal credit and borrowing situation from time to time, and finally obtain a comprehensive credit score.

If the user had good credit in the past, and it is found that the user's qualifications have deteriorated and he does not meet the qualifications for borrowing, then the borrower will suspend the user's right to use it, resulting in the failure of the user's borrowing.

2.Accounts are at risk. If the borrower finds that the user's account has security risks when reviewing the applicant, the platform will refuse to provide a loan to the user in order to avoid the capital risk.

It is worth noting that if the user frequently changes the login mobile device, the system will feel that the user's stability is not good, and will refuse to lend.

3.System issues. Sometimes, because there are too many applicants in a certain period of time, the system is busy, which will also lead to the failure of borrowing. It is recommended that users refresh more, or wait for a while to apply, if it has not passed, you can consult customer service.

4.The user's sesame fraction is reduced. If the user uses other products on Alipay and causes the sesame score to be reduced, it will indirectly lead to the loan being closed and unable to borrow, such as Huabei's overdue repayment, and the failure to return the rental on time will lead to the reduction of the sesame score.

Extended information] Borrowing early repayment is not a big taboo. Because the borrower itself supports early repayment, as long as the customer has enough funds in hand, he can apply for early repayment at any time. And borrowing early repayment does not affect credit, so customers can operate with confidence.

You also need to note that the interest on the loan is charged on a daily basis, so if the customer repays the loan in advance, only the interest will be charged for the actual number of days used, so that the interest can be reduced.

However, it is precisely because of this that if the customer pays off the loan in advance every time he borrows, Alipay will receive less benefits, and the system may think that the customer has no need to use the quota, which is not conducive to the borrowing amount, and the system may also reduce the amount and recover part of the quota to provide customers with greater borrowing needs.

When operating early repayment, if it is a single early repayment, you can fill in the repayment amount by yourself, and you can choose to pay it off in one lump sum or you can choose to repay part of it early; If multiple payments are made together in advance, they can only be paid off in full.