Failure to pass the risk control beforehand means that the user did not test the user through the platform before issuing the loan. In order to ensure the financial security of the loan platform, the platform will test users before issuing loans to check whether they have credit problems, credit reputation and sufficient repayment ability. Whether there is a stable work income, if the user passes the inspection, the funds will be transferred to the user's account as agreed; if the user fails the inspection, the user's loan application fails.

1. Loan review content: the platform reviews the user's application materials to see whether the materials are accurate and complete, and judges whether the materials are suspected of fraud; The platform will review the reasons for the user's loan and the use direction of the post-loan funds, and then determine whether the nature of the two meets the conditions of the loan. The platform will compare the user's situation with the policies stipulated by the state. If the user's test fails, there may be many problems, such as high debt, poor credit, insufficient financial resources, repeated overdue, incorrect information, too many credit inquiries and so on. If you fail to pass the risk control audit when applying for a loan or credit card, check your credit information at the People's Bank of China outlets to see if it is overdue.

2. Risk control audit is an audit method to judge whether the borrower has the ability to repay the loan on time. The contents of risk control audit mainly include credit, asset certificate and repayment ability. Failure to pass the risk control audit means that you are not up to standard. Main contents of risk control audit: 1. The borrower's "character", that is, credit, should strictly examine the user's credit information when borrowing, whether there has been overdue repayment, and the current debt situation to judge whether the loan purpose is illegal. The borrower provides proof of assets, including real estate, vehicles, business models and other types. The borrower's repayment ability depends on whether the user has a stable income and the ability to repay on time. Once your credit is tainted or you have a bad credit record, you can't apply for a loan or credit card. If you want to buy a car or a house, the loan amount will be less than others and the interest rate will be higher than others. In daily life, we should form a good habit of using credit cards regularly and repay them regularly every month. Credit records are very important for financial transactions, especially when lending, and the audit is very difficult. At the same time, pay attention to maintaining personal credit records.