In recent years, online lending platforms have emerged, providing easy access. For a variety of reasons, however, many find themselves unable to borrow money on various platforms and are in dire need of funding. So, how can we cope with this situation? This paper will be analysed from several angles and will provide some responses。

What if we can't borrow money from every platform

First, it is important to understand the Platform ' s review process. Many have often ignored the Platform ' s request for approval when applying for loans, resulting in the rejection of applications. Therefore, a careful study of the Platform ' s auditing process, an understanding of its borrowing conditions and material requirements and the preparation of sufficient material would greatly improve the success rate of borrowing. At the same time, a more relaxed platform could be chosen to try to increase the likelihood of success。

Secondly, emphasis is placed on the establishment and maintenance of personal credit records. Borrowing platforms usually determine whether a loan is granted on the basis of an individual ' s credit record. Therefore, credit cards, loans, etc. will be paid in a timely manner to avoid delays, while paying attention to individual credit ratings and credit scores. Better personal credit records often increase the chances of borrowing。

IN ADDITION, BROADENING BORROWING CHANNELS WAS A RESPONSE. IN ADDITION TO TRADITIONAL LENDING PLATFORMS, OTHER FORMS OF BORROWING CAN BE TRIED. FOR EXAMPLE, IT IS POSSIBLE TO BORROW FROM FAMILY AND FRIENDS OR TO CHOOSE NON-TRADITIONAL SOURCES SUCH AS P2P LENDING. OF COURSE, IN BROADENING BORROWING CHANNELS, CARE SHOULD BE TAKEN TO AVOID FALLING INTO THE TRAP OF ILLEGAL BORROWING, SUCH AS USURY, AND TO PROTECT THEIR LEGITIMATE INTERESTS。

It was also important to improve its own repayment capacity. Sometimes the reason for not borrowing money is not because the platform is over-received, but because the individual ' s ability to repay is inadequate. Therefore, before a loan request is made, an assessment of the existing financial situation should be made to ensure that it has sufficient repayment capacity. If the repayment requirement is not met, the option may be to broaden the borrowing period or to increase the likelihood of success, for example, by increasing guarantees。

In short, we can analyse and respond from many angles in the face of the lack of access to funds and the dire need for funds on various platforms. Understanding the Platform ' s vetting process, focusing on the establishment and maintenance of individual credit records, broadening borrowing channels and improving its own repayment capacity are some possible approaches and recommendations. It is hoped that this paper will provide inspiration and help。