My friend borrowed 17,000 from my micro loan and asked his friend to pay it back, but he couldn t br

Hello, formal loans are linked to personal credit information, and credit information should be checked when applying for loans. You can choose the minimum repayment, but if there is a late repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain your credit.

Nowadays, there are so many loan platforms, and if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use the credit service brand of Youqianhua and Du Xiaoman Finance (formerly known as Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Ask your friend for money, of course

If you can't lend money, you can check that your limit has been reduced, and many lending platforms will automatically reduce the limit if the user has obvious arbitrage behavior or poor repayment ability.

The money repaid by the micro loan cannot be borrowed. Then it is possible that the platform has carried out risk control on you, so it will not give you a quota to use for the time being.

Because borrowing again requires re-evaluation. When your rating is insufficient, of course, you can't borrow again, so you can wait for a while and try again.

If you can't get a granular loan, of course you can't borrow the money, because there are honest things, and if you don't pay it, others won't bring it to you.

It is possible that there is a bad record in the credit report. Regardless of whether the user opens or raises the amount in the later stage, it is possible to inquire about personal credit. If the user's credit card has a bad record during this period, it will also cause the user to be unable to borrow money after the microloan is repaid.

The system re-evaluated and failed. Generally speaking, when a user borrows again, the system will evaluate it again. If the result of the re-assessment does not meet the borrowing requirements of WeLoan, and the comprehensive assessment is not passed, the amount of credit will no longer be provided after early repayment.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and on the condition that they must be returned. Loans in a broad sense refer to the general term for loans, discounts, overdrafts and other lending funds.

By lending money and monetary funds to the bank, the bank can meet the needs of the society for supplementary funds for expanding reproduction and promote economic development, and at the same time, the bank can also obtain interest income from loans and increase the bank's own accumulation.

2. Microfinance review risk.

The occurrence of loan risks often begins at the loan review stage, and it can be seen from the disputes that occur in judicial practice that the risks that arise in the loan review stage mainly appear in the following links.

1) The content of the review is omitted, and the bank's loan examiners are omitted, resulting in credit risk. Loan review is a meticulous work, which requires investigators to conduct a systematic investigation and investigation on the qualifications, qualifications, credit, and property status of the loan subject.

2) In practice, some commercial banks do not conduct due diligence, and the relevant loan examiners often only pay attention to the identification of documents, but lack due diligence, so that it is difficult to identify fraud in loans and can easily cause credit risks.

3) Many erroneous judgments are caused by the bank's failure to listen to expert opinions on the relevant contents, or professional judgments by professionals. In the process of loan review, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in terms of law and finance. In practice, most of the loan approval process is not very rigorous and in place.

3. The legal content of the pre-loan investigation.

1) Review the legal status of the borrower regarding the legal establishment and continued effective existence of the borrower. If it is an enterprise, it should check whether the borrower is established in accordance with the law, whether it has the qualifications and qualifications to engage in relevant business, check the business license and qualification certificate, and pay attention to whether the relevant licenses have undergone annual inspection or relevant verification.

2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for the loan; Examine whether there is any obvious evasion of registered capital; past borrowing and repayment; and whether the borrower's product quality, environmental protection, tax payment and other illegal circumstances that may affect the repayment.

3) Regarding the borrower's borrowing conditions, whether the borrower has opened a basic account and a general deposit account in accordance with the relevant laws and regulations; whether the borrower (in the case of a company) has invested more than 50% of its net assets; whether the borrower's debt ratio meets the lender's requirements;

4) Regarding guarantees, the qualifications, creditworthiness, and ability to perform the contract shall be investigated.