The reason for the large scale derating of borrowing and borrowing is what is the probability of rec

Generally speaking, there are two main reasons, the first reason is because Alipay found that many people have the behavior of brushing the limit, that is, borrowing and repaying, so the amount is reduced in a large area, and the second is that there is too much money lent out, and there are a lot of things that cannot be recovered, so in order to reduce the risk, it is a large-scale reduction.

The borrowing has been reduced because of the lack of overdue activity and the risk of abnormal users

Personally, I believe that the reason for the large-scale reduction of borrowing is to consider the user's ability to repay and worry about credit default. Therefore, Cai has reduced the quota in a large area.

<> mine is still 120,000 yuan, I haven't borrowed it, I haven't lowered it.

In the process of using borrowing, some users say that the quota is often insufficient, so how can Ant borrow quickly raise the amount?

1. Use borrowing frequently and maintain a good repayment record.

2. Complete Alipay's personal information. The borrowing system will evaluate the user's personal comprehensive situation from time to time, and when the evaluation results meet the criteria for raising the amount, the system will take the initiative to increase the amount for it, so Alipay users can supplement and improve their personal information, such as personal real estate information, vehicle information, provident fund information, etc.

3. Fully use Alipay. In addition to frequently using Alipay to pay, you can also use Alipay to pay for living, order takeout, buy movie tickets, etc.

For some users, borrowing supports active quota increase. If "Withdrawable" is displayed in the upper right corner of the quota on the borrowing page, users can take the initiative to apply for a borrowing amount. At present, the maximum amount of borrowing is 300,000 yuan.

If your borrowing quota is not enough, you can also consider other reliable big brands, such as Tencent Micro Loan and Du Xiaoman Finance. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Ants borrow. If the repayment is completed and the derating is immediately reduced, whether it can be restored will be analyzed on a case-by-case basis.

In fact, most of the reasons for this situation are that the customer is overdue when repaying, and the amount may be restored after the customer quickly pays off the overdue debt.

However, you also need to pay attention to the fact that if the overdue circumstances are serious, and there have been many overdue times before, it is likely that the amount will not be restored after the arrears are repaid.

In this regard, customers can only wait patiently and maintain credit well. The system will evaluate from time to time, and then adjust the limit according to the comprehensive assessment results, and then the personal credit level will be improved, and the limit may be restored.

Of course, it is best for customers to develop a good habit of repaying on time to avoid overdue behavior.

If the reduction is not caused by overdue, the customer can check whether he has changed his device frequently to log in recently, or frequently modified his account information, such as changing the bound mobile phone number, bank card, etc.

If this leads to a reduction, then the customer should avoid such risk operations in the future, use Alipay well, pay attention to maintaining personal good credit, and also pay attention to maintaining the activity of the account.

Extended Materials: Borrowing"Current name Credit Loan''It is a loan service launched by Alipay, according to sesame.

Depending on the number, the amount of loan that users can apply for varies from one person to another. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

January 9, 2018, 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, 2021, it was reported that Alipay"Borrow"The name has been changed to"Line of Credit"。In response, Alipay's customer service responded that in order to facilitate 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"Line of Credit"and display the name of the financial institution on the credit page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrow"It is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

At present, the consumer loans launched by e-commerce giants.

It is mainly for the installment in the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, it is aimed at personal credit loans in the non-consumption scenario.

It is also being rolled out one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao.

Uncle; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.