With the rapid development of financial science and technology, the lending system has become an important tool for banks and other financial institutions to control risks while meeting the individual and business needs of people. Sometimes, however, the loan system may not be able to pass certain applications, which creates problems for both borrowers and financial institutions. In such cases, the use of manual audits may be an effective way to resolve the problem。

The loan system can't be manually audited

First, the inability of the loan system to pass certain applications may be due to deficiencies in the system. The loan system often uses complex algorithms and models to assess the credit risk of loan applicants. However, these algorithms and models may not be able to accurately assess special circumstances, such as those affected by the uncertainty of the applicant ' s deposits and the uncertain source of income. As a result, these exceptional circumstances can be further understood and analysed through manual audits, which will allow for a more accurate assessment of the credit risk of applicants。

Second, the inability of the loan system to pass certain applications may also be due to the special background or personal circumstances of the applicant. The loan system usually assesses the applicant ' s personal information, work, financial position, etc., to determine their ability to repay on time. However, some applicants may have special backgrounds, such as freelancers, new immigrants, etc., whose income position may be relatively precarious or difficult to verify. In such cases, a manual review can assess the repayment capacity more comprehensively by understanding the circumstances and circumstances of the applicant, taking into account a combination of factors。

In addition, the inability of the loan system to pass certain applications may also result from system miscalculation or technical malfunction. When the loan system handles a large number of applications, there may sometimes be miscalculation, which puts at high risk some applicants who are in a position to repay. Technical failures may also result in the system not functioning properly and thus not being able to pass the application. In such cases, the system ' s errors can be corrected in a timely manner through manual review and the credit risk of the applicant can be reassessed to ensure fair and equitable processing of loan applications。

In sum, when the loan system is unable to pass certain applications, it can be re-evaluated manually. This will overcome the problems of imperfection of the loan system, the special circumstances of applicants and system miscalculation, more accurately assess the credit risk of applicants and ensure stability and security in the loan market。