In recent years, with the prevalence of mobile payments, financial products related to credit scoring have been launched on such platforms as payment treasures and micro-credit payments, in which “facing flowers” for the payment of treasures have received considerable attention. Fusion flower is a consumer credit product based on a credit rating for the payment of treasures, and users can spend it in a variety of businesses for consumption and then repay the loan within a specified period of time。

How's the pass rate for the easy flowers

So what's the pass rate for the easy flowers? This involves a number of factors, which are analysed below from a number of angles。

I. Credit rating

Credit scoring is the most important factor in the pass rate of the AXP application. Payments are automatically rated on the basis of data on users ' consumption, repayments, etc., ranging from 350 to 950. In general, users with credit ratings of more than 650 points have a higher pass rate for the application of the AXF. The pass rate for users with lower ratings is correspondingly low。

Level of borrowing

The easy flowers that pay the treasure provide different levels of credit according to the credit of each user. If a user's credit rating was too low and had no financial history, his credit rating might be lower. So, the easy-to-discharging level of borrowing can also affect user pass rates. When a user applies for a loan, the amount requested is closely related to its credit position, historical consumption record, etc。

Consumer behaviour

Easier flowers are not just a loan product, but also a consumer loan. The system will automatically assess the reliability of the user, based on the user ' s consumption record and behaviour in paying for the treasure. Consumer preferences, such as the purchase of fitness cards, travel costs, etc., have also become an important consideration in the assessment of pass rates. Factors such as consumption type, frequency and level of consumption also influence the pass rate。

The external economic environment

Changes in the economic environment have also had an impact on the pass rate of easy flowers. If, at a time of economic downturn, the level of bank verification of letters of credit would be enhanced, then the application of users would be examined with greater caution. At the same time, if a large number of users submit their applications for accompaniment at the same time, the pass rate will be relatively low。

From the above analysis, it can be seen that the pass rate is based on multiple factors. If the user ' s credit ratings are high, the consumption preferences are low and the requirements for payment are met, the pass rate for easy flowers will be relatively high. If the credit rating of the user is inadequate, consumption preferences are special or are not available, the pass rate will decrease accordingly。

Users therefore need to choose a reasonable level of borrowing and consumption, according to their own circumstances, and maintain a good credit record and pass the application for a nice flower. At the same time, the payment must guarantee the fairness and impartiality of the approval and provide better consumer financial services to users。