What does high-risk online loan customers mean?

A group of people with poor credit records and excessive loan risks. Some banks will also include some people into the category of high-risk loan customers based on their occupation. Those who must be engaged in high-risk industries, coal mining, or those with serious illnesses will question their ability to repay due to the risk of the occupation or physical illness. There are also May be considered high risk.

Extended information:

Credit reporting includes two aspects: personal credit and business credit. Of course, there is also government credit reporting, but it can be ignored.

Enterprise credit reporting refers to the analysis and research of the credit records, operating levels, financial status, external environment and other factors of market participants such as enterprises, bond issuers, financial institutions and so on. , a comprehensive evaluation of its credit ability (mainly its solvency and its solvency). Corporate credit reporting is a comprehensive analysis and measurement of contract performance capabilities and credibility. It is an indispensable intermediary service in the market economy system.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law.

Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

The main factors that may affect personal credit risk scores are: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and repayment amount, or there are too many loan accounts and credit cards, etc. When a credit reporting agency or information provider receives an objection, it shall mark the relevant information as objectionable in accordance with the regulations of the credit reporting industry supervision and administration department of the State Council, verify and handle it within 20 days from the date of receipt of the objection, and provide a written reply with the result. Dissenter.

If after verification, it is confirmed that there are errors or omissions in the relevant information, the information provider and the credit reporting agency shall make corrections; if it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; if it cannot be confirmed after verification, , the verification status and objection content should be recorded. Why does the loan say that I am a high-risk customer? How should I solve it?

High-risk customers of banks are high-risk customers. Generally speaking, the debt ratio is too high, frequent loan applications, and a large number of bad records in personal credit reports, etc. , may be classified as high-risk customers by banks. At this time, users need to consult the bank first to find out why they are listed as high-risk customers, and then solve the problem based on this reason. If your credit score is bad, keep a good credit record; if your debt ratio is too high, repay some small loans in advance, etc. As long as the user removes the risk factors, he can quickly return to normal customers. High-risk customers may be due to:

1. Personal debt ratio is high. When banks conduct qualification reviews, they will not only inquire about the applicant's credit record, but also examine their debt ratio. Because if the personal debt ratio is too high, the corresponding repayment ability will be insufficient. Many friends who thought they had a stable job, stable income, and good credit ended up here when their applications for loans or credit cards were rejected. No matter how good your credit is or how high your income is, it doesn't matter. If you have high debt and insufficient repayment ability, you will already be included in the list of high-risk customers.

2. Frequently apply for loans. Many people like to apply for loans from several financial institutions at the same time. When the loan from the previous one has not been settled, they apply for a loan from another one. This type of user is also a high-risk customer in the eyes of the bank. Because they apply for loans frequently, the bank will think that they must be short of money, and their repayment ability cannot be guaranteed, and they may not repay at any time. It is understandable that your loan application was rejected.

3. Over 50 years old. In the eyes of banks, people over 50 years old will retire in a few years. And because I am older and my physical fitness is not as good as before, once there is a physical problem, it will be difficult to ensure timely repayment. Therefore, the risk of overdue payment will be higher for this type of people.

The borrower must repay the loan in full and on time, ensuring that there is no overdue record, the overdue amount and overdue duration, etc. High-quality customers often have good credit records and excellent credit status.

Concentrate your daily financial activities in one bank, that is, use the services of one bank for savings and credit card consumption. As the transaction volume increases, the bank will determine your income and credit status based on your behavior records. Then determine whether you have the conditions for high-quality customers. What are high-risk bank customers?

High-risk customers of banks are high-risk customers, which refer to customers who have card-using behaviors such as tx

and card fraud discovered by the bank during the post-loan management process.

Some banks will require cardholders to "make installments, otherwise the balance will be reduced", or even directly reduce the balance or block the card. Credit card risk control methods are gradually upgraded, and Internet financial products such as JD Baitiao, Ant Huabei and Jiebei are gradually connected to the central bank’s credit reporting system.

In addition to the risk control measures based on the central bank's credit reporting system, banks have begun to introduce third-party credit reporting data such as P2P online lending as a supplementary means to prevent long-term lending risks.

Bank cardholders have reported this situation, but this is not a widespread phenomenon on a large scale. The main reason is that the frequency of credit card use is low or they are suspected of being a "high-risk" group.

Extended information:

The risk control strategies of credit card centers are mostly "data-driven risk control". The bank introduces external third-party data from the Internet to increase the data sources of risk control models and based on external Data rules will not change the risk control system with central bank credit reporting as the core.

Banks are increasing cooperation with traffic parties such as BATJ. In this kind of cooperation, data is often exchanged, forming a "traffic data" cooperation model, but the core demand of banks lies in traffic. Another trend is that Internet financial companies such as BATJ are seeking to connect with the central bank's credit reporting system. The coverage of the credit reporting system will become wider and wider, which will be beneficial to banks' risk control systems with credit reporting as the core.

Some Internet finance credit data, such as JD Baitiao, etc., show loans from small loan platforms. Traditionally, small loan interest rates are higher, and the credit report does not show the interest rate level of the loan. and other information, this group of customers may be identified as higher risk by some banks. Solving this problem "depends on the sophistication of future credit reports."

Ifeng.com-Bank card suddenly blocked? People who have done these operations, be careful, you are already a "high-risk" group!