Why was the amount of online business loans suddenly reduced?

1. The business situation has declined.

If the merchant's turnover has been declining recently, and it has received a lot of bad reviews or requests for refunds, then the Alipay system will definitely feel that the merchant is not operating well, and will often take measures to reduce the amount in order to avoid the risk of borrowing. In addition, if the store has recently experienced a large number of bad reviews, it may also lead to a decrease in the loan limit of the online merchant.

2. Poor credit.

Because online merchant loans are mainly unsecured loans, credit history has a great impact on the credit line of online merchant loans. If the merchant has overdue or unpaid repayments elsewhere, once it is discovered by the Alipay system, it is very likely to reduce the limit or even close the limit. If the user loses his job or has a decrease in income, it will also lead to a reduction in the loan limit of the online business.

3. Frequent early repayment.

Although online merchant loans also support early repayment, if users frequently repay in advance, the system will suspect that users do not need to use loans, and in order to avoid waste of resources, the system is likely to withdraw the credit line and issue it to those who need it more. Therefore, everyone should try to avoid early repayment, and once or twice in a while is not a big deal.

4. Increase in refund rate.

The refund rate is very related to a company's products and services, if the user's refund rate has increased significantly recently, it means that there is a big problem with the merchant's products and services, and at this time, it may also lead to the reduction of the online merchant's loan limit.

In general, it is everyone's overall credit situation that has declined, which has led to a sudden decrease in the loan limit of online merchants.

The reason why the online business loan will be suddenly reduced:

Infrequent useThe platform can automatically close its quota or reduce its quota, giving priority to high-quality customers, users with strong repayment ability and active users.

2. Since the online business loan is a business loan specially provided for merchants, the borrower's store operation and credit status will be reviewedThe store's rating has dropped, or it is not doing well, or the user's debt is too high, then the platform may close the borrower's quota in order to avoid capital risks.

If you want to increase the loan limit of online merchants, it is recommended to do the following:

1. Enhance business capabilities

Because the operation of the enterprise has a great relationship with the credit extension of online business loans, it is of great help to restore the quota by continuously improving the operating capacity and increasing the income and number of users of the enterprise.

2. Maintain a good use record

The borrower's use of online merchant loans also affects the recovery of the quota. If the borrower can maintain a reasonable frequency of use of the online business loan, it will also be of great help to the recovery of the quota.

3. Make sure to repay the loan on time and in full

Maintaining long-term repayment on time and in full is also very helpful to the recovery of the credit line of online business loans, so everyone must strictly abide by the contract provisions in the process of using online business loans, which is very useful for shortening the time for the recovery of the credit line.

Reasons for the reduction of the loan limit of online merchants:

1. The store is not in good condition. Because the online business loan is a business loan for small and micro enterprises and individual entrepreneurs, it is very important to change both personal accounts and store operations. If during this period, everyone's store operation turnover declines, or there is no flow in and out, the store rating drops, and there are violations, then it may lead to the closure of online business loans.

2. Low frequency of use. Like borrowing, Alipay will also check accounts and stores from time to time, if the system approves the quota, but everyone has not used the online business loan, then it means that the user has no need for a loan. At this point, in order to avoid wasting resources, the system will take back the credit and release it to those who need it more.

If a user finds themselves being derated and their quota is restricted, then it is likely that this is the reason.

3. There are violations. Because the online business loan is given by the system, and it will be evaluated from time to time, if the system finds that the user's online business loan is swiped out through the collection code, it will choose to close it directly, which will lead to the reduction of everyone's online business loan limit.

4. Frequent early repayment. If you are not operating poorly and your credit is overdue, but it is still lowered, then the problem is that you frequently repay in advance. Because early repayment is a breach of contract, it indicates that users do not have a high demand for their funds, so the system will choose to recover the credit and release it to those who need it more to earn more income.

1. Operating income declined. The decline in revenue will lead to the online merchant loan system questioning the user's ability to repay and lowering the limit.

2. The praise rate of enterprises and stores has declined. The decline in positive reviews reflects a decline in the integrity of the merchant, which will lead to a reduction in the quota.

3. The refund rate has been greatly increased. Explain that there is a problem with the merchant's products and services, and the system will reduce the limit after assessing the risk.

4. The merchant's personal credit record is overdue. A bad credit history can also lead to a decrease in the amount of online merchant loans.

Alipay evaluates your comprehensive ability, believes that you have too high a risk, and takes the initiative to reduce the risk to avoid risk.

This is a loan limit that is re-evaluated based on your recent spending situation, including the amount of use, how often you use it, how high or low your creditworthiness, etc.

1.It may be that everyone's overall credit situation has declined, which has led to a sudden decrease in the loan limit of online merchants.

2.The amount of online merchant loans is dynamically adjusted by the system, and it is normal for them to increase or decrease. As long as the user repays the loan on time, the limit can still be restored after being reduced.

However, due to overdue repayment or illegal use, the user cannot recover the limit in a short period of time after the limit is reduced, and must accumulate more good credit history to have the opportunity to restore the limit. As long as the user can also apply for a loan on the online business loan, it does not matter if the limit is reduced.

Extended Materials. 1. How to increase the loan limit of online merchants?

1. Use more Alipay lifestyle products: such as "word-of-mouth takeaway", "** movie", "mobile phone recharge", etc., on the one hand, Alipay can make Alipay feel that you are dependent on Alipay, and on the other hand, it can increase your sesame credit.

3. Use Ant Jubao Wealth Management: In the same way, use Alipay's wealth management products.

You can let Alipay know your financial situation.

4. Don't always repay early.

If you repay the loan in advance, Alipay will not earn interest, and it may reduce your limit over time.

5. Cancel the authorization of Sesame Credit: It is a reason to check the credit information, if other online loan companies often check your Sesame Credit score, Alipay may cancel your limit.

If you are talking about the time for the limit to be restored after the online merchant loan is borrowed, then the amount will be restored as you repay each month, and the amount recovered is equal to the amount you repaid. If the amount of online business loans suddenly disappears or is reduced, the time for the amount to be restored is not very certain. If this happens, it may be because you have overdue or not used the loan as required, then be sure to pay off the arrears and improve the operation quality of your store, and at the same time maintain an appropriate borrowing frequency regardless of the size of the loan, when the online loan believes that your loan is in good condition, the limit will be restored.

Operating environment: Honor 10

HarmonyOS Alipay.

The reasons for the sudden reduction in the loan limit of online merchants are as follows:

1. If the user does not use the online business loan after opening the online business loan, after a long period of time, the system may think that the user does not need this limit. As a result, the platform lowers the credit limit and distributes this part of the credit limit to users in need. In addition, users who are overdue for many times and borrow frequently will also be subject to risk control.

If the user is overdue when using the online merchant loan, the system may reduce the amount of the online merchant loan due to bad debt considerations.

2. In general, if the online business loan is reduced after repayment, it means that the user is under risk control. Overdue loans, illegal borrowing, frequent loans, and unused loans after activation are all reasons for the reduction of the limit.

Extended information: 1. In addition to the two well-known sesame credit loan products of Alipay, Borrowing and Huabei, the popularity of online business loans is also relatively high, and online business loans are personal business loans provided by online banks, mainly for merchants who need funds for operation, and this is also a kind of commercial loan.

2. The reason why there is no quota for online business loans:

There are three main reasons for this.

1. The frequency of use is too low.

Alipay's lending limit is limited, and the purpose of lending is to earn interest, if the system grants the user a quota, but the user does not use it, then the system will question the user's consumption needs, in order to avoid waste of resources, may directly withdraw the quota.

Therefore, if users want to continue to use online business loans, then they must increase the frequency of their use.

2. Breach of contract.

Online business loan is a loan product launched by Internet banks, and the risk control is relatively strict, once the user has untrustworthy behavior, it will leave a stain on the credit report, and may also face the situation that the quota is frozen or cleared.

In order to be able to continue to use, it is best for users to ensure that their personal and store reputations are in good standing, and it is difficult to recover the amount of online merchant loans.

3. The debt ratio is too high?

If it is found that the user's current debt ratio has increased, then the user's credit line may be withdrawn in order to reduce the loan risk.

If users want to use online business loan products all the time, then it is best to control their debt ratio within a certain range.

1.The reason for the sudden reduction of the loan limit of online merchants is that the business conditions of the enterprise are not as good as before, and the operating income has declined, which may lead to the sudden reduction of the loan limit of online merchants. After all, a decline in operating income often leads to a decrease in repayment ability.

2.Good reviews of enterprises and stores continue to decline, after all, the praise rate represents the integrity of a business. In addition, if the refund rate of Shouchun has increased significantly recently, it means that there is a big problem with the company's products and services, which will also lead to a sudden decrease in the loan limit of online merchants.

3.Another key reason is the decline in credit history, because online business loans are mainly unsecured loans, so credit history has a great impact on the credit line.

Extended Materials. 1. How to increase the amount of online business loans?

1. **Shopkeeper. Once the sales increase and receive more and more praise, you can quickly increase the amount of online business loans, it is said that the annual sales degree is more than 10 million, then the application for online business loan limit may reach one million yuan.

2. Personal credit. If there is a loan overdue or a credit card is overdue, then it is impossible to obtain the amount of the online business loan, and there must be no brushing, cash, disputes, overdue and other behaviors on Alipay, which will cause a sharp personal reputation, not only personal reputation, but also the reputation of the store is very important, there are points deductions, complaints and disputes, etc., and the online business loan may be closed.

3. Activity. It is also very important to improve the activity of Alipay, some new functions and new activities should be actively participated, the flow of funds should stay in Alipay as much as possible, and Alipay should be used more in daily life.

2. MYbank is the first commercial bank in China with a core system based on cloud computing architecture, initiated and established by Ant Group as a major shareholder. It was officially opened on June 25, 2015 as one of the first five private banks in China approved by the China Banking Regulatory Commission.

The reason why the amount of online business loans was suddenly reduced is likely to be due to the following reasons:

1 a: Have had bad behavior:

If the user has any bad behavior in the process of using the online merchant loan, such as overdue repayment, then the creditworthiness of the account will be reduced. This is because the system will conduct an assessment from time to time, and adjust the amount according to the evaluation results.

Two: Infrequent or never-used:

Some people may never use it before, or don't use it often, after opening an online business loan. In this case, it is likely that the system will feel that the user's demand for credit is not very large, so it is likely to reduce the user's quota.

Three: the store is not well managed:

Because the online business loan is specifically for small and micro enterprises within the Alibaba system.

and individual entrepreneurs, so the operating conditions of the store will also affect the user's quota. If a user's store is not running well and there are always bad reviews, it is likely to be derated by the system.

Extended information: 1: When the user's personal situation and business status return to the normal level, the amount of online business loan will also recover to a certain extent, and the specific situation will be determined by the comprehensive evaluation results of the online business loan system, and manual intervention is not possible.

2. The techniques for shortening the time for raising the quota are as follows:

1. Maintain a certain degree of dependence on online business loans, that is, maintain the frequency of use of online business loans.

3. Online business loan is a loan product specially designed for store owners and suppliers, and the better the operating efficiency, the higher the amount.

Three: The amount of online business loans will generally be increased around the 6th of each month, specifically through Alipay online merchant banking.

shall prevail.

The system of online merchant loan will evaluate and then make adjustments according to the comprehensive situation of the account, and generally changes dynamically on the 6th of each month according to the usage of the account.

Four: As a loan product for merchants, the amount of online business loan is gone after repayment.

1. What to do.

Online business loan is a product based on system review, which means that manual intervention in risk control cannot be carried out.

As a result, it is unrealistic to try to obtain the quota by yourself or others.

However, we can start from several factors that affect MYbanking, including reducing personal debt, increasing capital flows, increasing store sales, and using more collection services provided by MYbank.

Operating environment: mobile phone model: Huawei mate40 mobile phone version: Alipay.