There are three main reasons why China Post cannot borrow money from consumer finance.
Kiki
2020-07-06 17:55:20
Explore its finance and economy
China Post Consumer Finance is a licensed consumer finance company. Its loan products include mail you spend, mail you loan, mail you buy, and any of them are revolving loans. In other words, these three loan products can be recycled. Then, why can't China Post borrow consumer finance?
Why can't China Post borrow consumer finance?
1 loans overdue
Recently, loans, credit cards and other overdue behaviors have occurred, or credit cards and loans have been illegally used, such as cashing out credit cards and using consumer loans for investment.
2. The comprehensive score is insufficient
It may be that the risk control has become stricter and personal conditions no longer meet the loan requirements. It may also be that the personal debt ratio is relatively high, and the user has modified his personal data and is no longer eligible.
3 system problems
If the above conditions do not exist, it may be that the lending institutions are short of funds, resulting in insufficient loan quotas.
Generally speaking, China Post's consumer finance can't be borrowed, probably because the borrower has a record of overdue repayment before. Or other loans overdue records have been added to the personal credit information, and the personal debt ratio is too high, and the user temporarily does not meet the loan conditions after modifying his personal data. In addition, due to the tight business volume, there is not enough loan quota for the time being, which is also one of the reasons why it is impossible to lend.