All banks can't get loans because their personal credit reports don't meet the loan requirements.
The information in all bank credit reports comes from the Credit Information Center of the People's Bank of China and is inquired through the Personal Credit Information System of the People's Bank of China. So the result is the same.
Personal credit report records the historical information of credit transactions between customers and banks. As long as the customer has handled credit business such as credit card, loan and loan guarantee for others in the bank, the basic information and account information registered in the bank will enter the personal credit information system through the data submitted by the commercial bank, thus forming the customer's credit report.
Extended data
The information in the personal credit report mainly includes six aspects: the verification results of the identity information of the Ministry of Public Security, personal basic information, bank credit transaction information, non-bank credit information, my statement and objection labeling, and historical information inquiry. Among them, the credit information related to personal loans is mainly bank credit transaction information.
Bank credit transaction information mainly includes customer asset disposal information, guarantor compensation information, credit cards, housing loans and other loans, and summarizes the number of your accounts, overdue accounts and guarantees for others respectively. There are several credit card accounts, several housing loans and several other loans in their names.
Number of credit card accounts in the customer's name that have not been cancelled (including accounts that are in use and have not been activated). Number of accounts with outstanding housing loans and other loans. Credit card overdraft balance, used amount, overdue amount, etc.
Why do loans say that the evaluation score is insufficient? How to improve the comprehensive score?
Now the process of applying for a loan is relatively simple. When many people are short of money and don't want to trouble others, they will choose to borrow online. However, successful loans are difficult, and lending institutions will evaluate the qualifications of borrowers. Why do loans say that the evaluation score is insufficient? How to improve the comprehensive score? Let's get to know it together!
Why do loans say that the evaluation score is insufficient?
The evaluation score mentioned by the lending institution is generally judged according to the comprehensive credit status, personal repayment ability and information integrity of the loan applicant. If the evaluation score is insufficient, the loan is unsuccessful.
Generally, there are several situations that will lead to insufficient evaluation scores:
1. Personal credit report is a key factor that lending institutions will focus on. If the credit information of the loan applicant is poor, for example, there are many overdue records, or there are many hard records of credit information, and the repayment ability and willingness are poor, and the risk in loans overdue is high, the lending institution is unwilling to issue loans.
2. The loan applicant has no stable job or income source and cannot prove his repayment ability.
3. When filling in the loan application materials, the information is wrong or incomplete, and the lending institution cannot assess its risk level.
How to improve the comprehensive score?
1. In terms of credit reporting, loan applicants should ensure that their credit reporting is good, strive to have no loans overdue records in the past two years, strive not to apply for other credit products frequently in half a year, and reduce the hard inquiry records of credit reporting.
2. In terms of repayment ability, it is suggested that loan applicants apply for loans when they have a stable job or income source, and provide more asset certificates to show their repayment ability.
3. In terms of information, it is suggested that the loan applicant must fill in the required items accurately and fill in the optional items as completely as possible to ensure the authenticity and validity of the loan application materials.
Why do loans say that the evaluation score is insufficient? In the final analysis, the qualifications of loan applicants do not meet the requirements of lending institutions. How to improve the comprehensive score requires everyone to make corresponding adjustments according to their own actual situation.
All online loans were rejected because the comprehensive score was not enough. What happened?
The reasons for the insufficient comprehensive score of online loans are as follows:
Check the credit information of online loans.
Credit information black: Personal credit information has many bad credit records such as overdue and default in the last six months;
Credit investigation: There are too many "hard inquiries" for credit investigation and few loans, and borrowers will think that users have no repayment ability.
Personal data is incomplete or untrue.
The required items in the application form are not filled in, or the items filled in are suspected of fraud; The ID card does not meet the conditions of "my second-generation ID card"; The bank's running water is not timely and true.
Cell phones are also more important.
The mobile phone has not been authenticated by my real name or the authentication time is less than 6 months; The telephone number filled in by the applicant is consistent with the agency; The attribution of mobile phone is abnormal. How to define this? For example, your people work in Beijing, but my mobile phone number and home are earlier than other places.
Enter the blacklist of online loans
Applying for online loans is too frequent; Online loans are overdue for many times; Third-party credit scores are reduced, such as sesame scores.
High personal debt and income
Personal debt is high, it is easy to be swept out of the house, and the score is insufficient.
Apply for multiple loans at the same time.
If you are found by a bank or a small loan account to have applied for multiple loans or multiple credit cards at the same time, financial institutions will think that you have tx.
Risks and scores will naturally not be high!
Overview of peer-to-peer lending
Online lending, also known as P2P online lending. P2P is the abbreviation of English peertopeer, which means "person to person". Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee. The biggest advantage of P2P online lending is that borrowers who are difficult to be covered by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world. The number of online lending platforms has increased rapidly in China in the past two years. At present, there are about 350 active platforms, and the total number has reached more than 1600 in August of 20 14.
superiority
(1) high annual compound income
The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.
(2) simple operation
The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.
(3) Developing thinking
Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.
disadvantaged
(1) unsecured, with high interest rate and high risk.
Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).
(2) Credit risk
The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.
(3) Lack of effective supervision means
Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.