What is the reason why 221 borrowing is closed?

Due to the high leverage financial risk of Ant Financial's borrowing business, Ant Financial took the initiative to close the "borrowing" function for most users to control the total amount of borrowing loans.

As for the reason for the closure of the loan, the customer service of Ant was consulted, and the relevant staff responded: As a consumer credit product, the borrower will dynamically adjust the user's qualifications and quota based on the user's usage and credit behavior. As a result, some users were disqualified or their quotas were reduced; Or some users are allowed to be admitted or the limit is increased, which is normal.

At present, it is reported that Ant Borrowing has a registered capital of 3.8 billion, and it can lend up to 100 million according to the regulations, and at present, Ant Borrowing has accumulated more than 300 billion loans, far exceeding the regulations. Ma Yun had no choice but to balance the leverage ratio by closing the loan and reducing the total loan balance.

According to reports, Ant Financial, a subsidiary of Jack Ma, held a meeting with the central bank, and after the meeting, the issuance of Ant Financial's ABS products was suspended, because Ant Financial's borrowing business had the problem of high leverage financial risks, so Ant Financial took the initiative to close the "borrowing" function of most users to control the total amount of borrowing loan balance.

Hello dear, if Alipay borrowing is suddenly closed by the system, it is likely to be caused by the following reasons:

1.The customer has overdue behavior when repaying, resulting in personal credit damage, and the sesame score has decreased, and bad information is recorded in the credit report (if Huabei, reserve fund or other credit products connected to the central bank's credit information system and associated with Sesame Credit are overdue, and the circumstances are very serious, it may also indirectly affect the borrowing).

2.The system implements risk control on the account due to the frequent modification of account information (such as changing the authentication mobile phone number, changing the bank card), frequently changing the device to log in, etc., resulting in the increase of account risk.

1. The reason why the borrowing was closed.

1.Malicious Use.

The malicious use mentioned here mainly refers to frequent borrowing and frequent repayment in the application. Every platform is very disgusted with brushing quotas, borrowing is no exception, if you want to increase the quota, you can use it frequently, but not frequently, here you need to grasp the degree.

For example, if you apply for 6 months, then you will pay it off in 6 months, and some friends may think that it is better to pay it early, but it is not.

The problem of early repayment: first, the platform did not make money by repaying it early, and secondly, it took as long as you borrowed to repay, and if you borrow and repay frequently, ordinary platforms will feel that you are brushing the quota, and each platform is very disgusted with this behavior.

2.Never use.

As long as there is a quota, you seize the opportunity first, for example, 50,000 quota, you don't need to withdraw all of it, you can withdraw a part of it first, one or two thousand can be, the focus is to generate credit history. In fact, borrowing this thing is the same as playing cards.

Also, some friends borrow very slowly, so a group of people who borrow is born, mainly after some abnormal operations, defrauding Alipay's quota, I advocate that you don't try, otherwise the function will be turned off and it will be cold.

3.Frequent early repayments.

Regarding this, the first article has been mentioned, don't be frequent, it is very important to grasp a degree, you can occasionally repay the loan once or twice, but if you do this frequently, it will not work. Often repay early, this is estimated to be committed by many friends.

If you believe it, you will lose, the essence of borrowing is to earn interest, if you often borrow and repay, borrowing can not make money, why should he open it for you?

4.The documents have expired.

Expired certification materials, such as expired ID cards. Many people have encountered this situation, the ID card expires, and then the function of Alipay cannot be used at all, re-apply for the ID card, re-authenticate and return to normal.

5.Borrowing is overdue.

Penalty interest is charged at multiple times of the original interest! It's still very high, so you must not be overdue, whether it is a credit card or an online loan, don't be overdue. Some people may have forgotten, this is more wronged, so it is also very important to do a good job of repayment reminders, of course, a day or two before the repayment of the borrowing will send a text message notification.

Some antivirus software on your phone may be blocked, remember to pull into the whitelist.

Second, about Alipay big data.

1.Perfecting the material.

Be sure to complete your personal materials, and at the bottom of the Sesame Credit homepage, there is a "Credit Management" column, and you can fill in all the personal information you can. Of course, if you don't have one, don't fill it in fakely.

If the ant borrowing is shut down by the system, it is likely to be caused by the following reasons:

1.The recent repayment has not been repaid on time within the specified repayment period, and there has been an overdue situation, resulting in personal credit damage, a decline in sesame points, and bad information recorded in the credit report (if Huabei, Alipay reserve or other credit products connected to the central bank's credit information are overdue, it may also indirectly affect the borrowing).

2.There are always risky operations such as illegal cash-out and score swiping, or frequent login of changing devices, frequently modifying account information, such as changing bank cards, changing verified mobile phone numbers and other bad behaviors, resulting in an increase in account risk, so the system implements risk control.

3.Since the opening of the loan, the loan has not been used much, and each loan is quickly paid off in advance, so that the system thinks that the customer has no need to use the quota, so it takes back the quota and provides it to the customer who needs it more.

4.The back-end system is undergoing maintenance and upgrading, so the system has temporarily closed the borrowing channel.

Generally speaking, if your borrowing amount is suddenly gone, it may be due to the following reasons:

1. The first reason is that Ant Financial has temporarily closed your qualification to use borrowing, which is a relatively normal adjustment. The borrower will make a comprehensive assessment of the user's usage and credit, and then will close your borrower according to the actual situation.

2. The second reason is that you are not overdue in the loan, but if you have a bad record in other loan products on Alipay, the loan may also be closed.

3. The third reason is that your borrowing function has been transferred to the online business loan, at this time, you need to open the last page of Alipay and click on the online business loan, so that you can see the amount you can borrow; In addition, the amount of online business loans is usually a little higher than that of borrowing.

4. The fourth reason is that there are illegal uses of Alipay, such as swiping points, cashing out, etc., and once detected by the system, the borrowing will be closed.

5. The fifth reason is frequent overdue, if your repayment performance is poor, then the system will think that your account is at risk, and then your borrowing will be closed.

6. The sixth reason is to change personal information frequently.

Hello friend, the old man's device has been turned off, it may be that there is a problem with his platform, and the current device must have a certain monitoring to comply with laws and regulations, so he may have violations.

Summary. 3. Recurring early repayment.

If you have agreed on a repayment date, but always prefer to repay early, the system will think that your borrowing needs are not large, and close your borrowing limit after you repay early.

4. The need to borrow money is too frequent.

If you often borrow money on borrowing in a short period of time, although you can repay the loan on time every time, it will inevitably make the system think that you will often have poor capital turnover, and will judge that there is a problem with your economic status, so as to take the initiative to close your ant borrowing.

2022 borrowing the reason for the shutdown.

You are trembling, I am a partner financial analyst Yu Fei, I will do my best to sort out the answer file in 5 minutes, I will do my best to your question, satisfied with the trouble5 Close Xun praise Oh Thank you

Hello, the large-scale closure of Ant Borrowing in 2022 is mainly due to excessive leverage and violation of relevant regulatory regulations of the central bank, and actively closed some Yongnian travel accounts to control the balance of loans. Therefore, there are many users who have been borrowed from the official Lu Gaoshi to close their accounts, which has nothing to do with the user's own use.

The common reason why ant borrowing is closed is 1, there is a quota that has never been used, in this case, you have the quota of ant borrowing, but you have not used it for a long time, then the system will determine that you do not have the need to borrow the key to sue the rock, so as to close your borrowing quota and open the quota to those who need it more. 2. As a credit loan product, the proportion of personal credit is very heavy, even if there is only one overdue repayment record, then the system will re-judge your personal credit, so as to close your ant borrowing and no longer lend you money.

3. Regular early repayment ant borrowing itself is a loan product with daily interest, if you have agreed on a repayment date, but always like to repay in advance, the system will think that your borrowing demand is not large, and after you repay in advance, close your lenient loan limit. 4. If you borrow money too often in a short period of time, you can repay the loan on time every time, but it will inevitably make the system think that you will often have poor capital turnover, and will judge that there is a problem with your economic status, so as to take the initiative to close your ant Tan shirt borrowing.

5. If there is a suspicion of illegal operation, the borrowing itself can be withdrawn to the bank card for consumption, but there are also regulations on the use of the borrowed amount. Through the above rough analysis of the causes, do you feel that some of your behaviors on weekdays have buried a pit for yourself, if you want to borrow it safe and sound, you should pay more attention to the use of the answer!

In fact, the sudden closure of the borrowed song may not be due to a violation, but because.

First, do not use borrowing for a long time.

Borrowing is a loan service for users with financial needs, that is, if the economic situation is good, there is no need to borrow, so you must hand over the quota of possession to others If you have not used it for a long time after opening the loan, the system will default to your financial situation and do not need to use it, of course, it will be closed. Generally speaking, it will be closed if the user does not use the system for more than 3 months, and it may be closed if the frequency of use is low, so please be careful.

Second, often repay early.

Many people may think that early repayment is not a sign of honesty? Why is it also possible to close the loan for early repayment? So, first of all, what to borrow to make a profit?

Isn't this a free loan from public welfare software to users, one of the biggest benefits** is the handling fee for users to repay after expiration, and users often can't make money if they repay in advance? Moreover, if you repay it early, it is easy for the system to mistake it into believing that your financial situation has been eased, and you don't need to borrow help from nothing, and of course it will be shut down.

Third, dishonesty.

Dishonesty here does not mean that the user oversells the burn-in repayment, but that there are often other aspects of dishonesty. The borrowing is related to our application system and the Sesame Credit section, and any issues will affect the use of the feature, such as credit card repayment, transactions, asset management, etc., and the borrowing may be closed. However, many people now have doubts.

Can a closed loan be re-opened, of course, but I believe the difficulty will increase dramatically.

Reason 1, for seriously overdue customers, after the consumer installment service of borrowing is overdue, the resulting penalty interest is relatively high, after the overdue, the benefits are large, the longer the corresponding overdue time, the more benefits will be brought by everyone, in order to create more benefits, there will also be a long time not to contact the user to repay.

Reason 2: There are hundreds of millions of borrowers, and there are many overdue borrowers. The sudden increase in the overdue situation of borrowing users will inevitably lead to some small mistakes, so it is also one of the reasons why the netizen has been overdue for more than a year but no one has contacted him to repay the loan.

Reason 3: Overdue use of the town to touch the old household lost contact. Any kind of collection method needs to be able to contact the debtor himself, if there is a situation where the debtor is out of contact, even if you want to contact the repayment, you can't contact it, and of course the debtor can't receive the news of repaying the royal promotion, which is also the reason why no one contacted him to repay the loan after being overdue for more than a year in Huabei.