The first step is to obtain the portrait tags of users with overdue history within the preset time period including the overdue time period; the second step is to obtain the portrait tags of users to be predicted within the preset time period. ; The third step is to calculate the similarity between the profile tag of the user to be predicted and the profile tags of each user with a history of overdue; based on the calculated similarities, predict the loan overdue for the profile tag of the user to be predicted.

1. Impact of overdue financial loans:

First, overdue repayment will affect personal credit. If a borrower borrows money from the bank and fails to repay it overdue, a bad credit record will be left on his or her personal credit report. In the future, it will be very difficult to apply for a credit card or loan, and most of them will be rejected, which will cause a lot of trouble to personal production and life.

Second, the most direct consequence of non-repayment of a credit loan is high penalty interest, and you may also be required to pay a certain amount of liquidated damages. Even the principal and interest add up to a large expense. The result of not repaying on time will increase your financial pressure.

Third, if the loan is not repaid overdue, the lender will face various collections. Banks or financial institutions have their own collection systems. When the loan is overdue, the junior collection agency will send you text messages or call you to demand payment. If the debt is not repaid for a long time, or in serious cases, there may even be face-to-face collection by debt collectors. This overdue person must be mentally prepared and should find a way to pay off the money as soon as possible before the problem can be resolved.

Fourth, if the loan is overdue for a long time and the amount is relatively large, the lender may be sued by the financial institution. After the lawsuit is accepted and the court pronounces its verdict, the lender's assets may be seized. This is a "repayment ruling" that the lender must execute. Otherwise, the court will seize the property and other assets under your name in accordance with the law and use the proceeds from the auction to repay the debt.

Fifth, in serious cases, you may be jailed. Normally, incidents such as borrowing money and not repaying it are civil disputes and will not rise to the criminal level. However, if some lenders refuse to comply and insist on non-repayment, and the circumstances are serious, the court will also hold the borrower criminally responsible. Depending on the circumstances, serious cases will lead to imprisonment.

2. Precautions for financial loans

1. Borrowing amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the loan amount. The likelihood of loan rejection will also be higher. At the same time, borrowers must apply for a loan amount based on their repayment ability to avoid financial pressure caused by too high monthly payments.

2. Borrowing information:

Borrowers must ensure that the information they provide to the lending institution is true and complete. Once it is found to be suspected of fraud, the lending institution will directly refuse the loan.

3. Loan Purpose:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the review.