How does the lender s credit data be measured?

First of all, the loan collects information and carries out risk profiling. In the initiation stage of borrowing demand, the borrower's information and data are collected, and the borrower's user risk profile is carried out from the dimensions of income level, consumption level, social profile, financial behavior, asset level, etc.

Then, by strengthening anti-fraud, the loan comprehensively assesses the risk. The platform's risk control decision-making engine uses portrait information and anti-fraud technology to make a full and comprehensive assessment of borrowers' willingness to repay, repayment ability, and stability of repayment ability, and strictly screen high-quality borrowers.

Finally, through continuous monitoring, timely incentives and interventions. In the process of lending, the loan continues to monitor the borrower's repayment performance and behavior, and encourages and gives feedback on good credit performance by raising the amount and reducing interest rates, so as to form a long-term good interaction with the borrower. In the actual process of borrowing, the credit performance of individual industrial and commercial households, small and micro business owners is good, and the re-lending rate is relatively high, which continuously injects fresh water into production and operation.

Don't borrow and lend, usury, not to mention the high interest rate on borrowing, and the miscellaneous handling fees are also ridiculously high! It's really the kind of loan that repays 10,000 yuan, and it's a loan shark software that is playing with the relevant laws and regulations of the state, and I have practical experience, so I appeal to everyone not to use it!!

1.The username entered is incorrect.

Open the One-Account login page and click "Forgot Username First", and follow the prompts to retrieve the username.

2.The password entered is incorrect.

1) If you accidentally enter the wrong password, enter it after re-verification.

2) If you forget your password, open the OneAccount login page and click "Forgot Password" first, and set a new password again.

3.I have not registered for Ping An Bank One Account.

1) Ping An Bank One-Account needs to be registered, and you can go directly to the counter of Ping An Bank to find staff to assist in registration.

1) Log in to the official website and click the registration button to register

Unreliable It is a high interest platform.

I don't know which one you said and the loan can be given.

The reason why Hedai can provide low-threshold, convenient and fast recommendation and drainage services for more than 22 million users, and can efficiently meet the borrowing needs of white-collar and blue-collar user groups, is completely inseparable from the enrichment of credit data dimensions by big data and the blessing of technology and big data risk control system. Relying on technologies such as big data and artificial intelligence, the company measures personal credit qualifications and risks in a digital manner, and conducts user risk portraits through information collection. Through anti-fraud technology, comprehensive risk assessment and strict screening of high-quality borrowers; By continuously monitoring the repayment performance and behavior of borrowers, for users with good performance, they will be rewarded with a high rate of repayment and interest rate reduction.

There is a detailed information of each credit card user on the personal credit information platform, and a special person is responsible for sorting out and maintaining it, and the national network can always pay attention to trends.

Other Factors Influencing Credit Limits:

1.Marital status: Banks prefer customers who are married and have a good relationship with their husband and wife, and will have more stability than single people. In a bank's mock rating system, married people can get a full level of credit boost than unmarried people, all other things being equal.

2.Technical titles: Borrowers with titles such as engineers, economists, accountants, and excellent teachers are more likely to be favored by banks and often get extra credit points.

3.Jobs: Workers in industries with high stability can also receive extra points. For example, civil servants, teachers, doctors, and some employees of enterprises with good benefits, fashion industry and ** people will also be rated higher because they have strong spending power.

4.Financial ability: People who provide detailed personal income certificates, have stable income, and have a long-term outlook for income growth will receive a relatively high rating.

5.Personal housing: Owning a personal home can also show that the individual has a certain financial foundation and can get extra points.

6.Education: The credit ratings of high Chinese proficiency and undergraduate education level have not changed, but higher education and lower education will affect the score, but the difference is not too large.

Chinese mainland residents aged 18-60 years old need to provide Chinese mainland resident ID card + valid mobile phone number, and the loan does not provide services to school students.

Look for two balance sheets, one for the corporate and one for the bank, and you will find that the main accounting accounts of the two statements are in opposite directions.

Remember: the account on the left is +, and the credit is -;

The account on the right is borrowed with -, and the credit is +;

At present, there is no overdue, not a black and white household, and the credit report should not be too bad.

No overdue, this is the minimum requirement.