Ant borrows it as an efficient and convenient credit facility to solve the financial problems that arise in our consumption on or off line. However, in the recent past, many users have offered to borrow but have not made a loan, so what is the problem with borrowing? What are the reasons? We are addressing this in three main ways。

What happened to ant borrowing or not lending? What caused it

First, the failure to meet the criteria for credit evaluation is a major cause. As a personal credit-based loan product, borrowing assesses, to the extent possible, the credit position of the client, with a direct impact on borrowing levels and interest rates. In the normal course of operations, basic information and credit reports, etc., are included in the loan credit assessment, which cannot be obtained if the results of the assessment do not meet the standards。

Second, incomplete or erroneous user information may also lead to non-payment. Borrowing as an online borrowing platform is very demanding for the authenticity and completeness of user information. The submission of information containing identity cards, bank cards, contacts, etc., must guarantee their authenticity and integrity, which could otherwise lead to non-payment of funds。

Finally, poor repayment capacity and credit records may also lead to non-lending. Assessing the credit background and economic status of users is an important basis for borrowing, which may be affected if the client ' s source of income is unstable or has poor credit records. Users therefore need a stable economic source and a good credit record to increase the success rate of borrowing。

In conclusion, the reason for non-lending may be a combination of factors, including credit evaluation, user information and repayment capacity. In order to improve the chances of successful loans, users need to be aware of these factors and prepared well in advance。