What is the reason why microfinance is controlled by the wind? How to remove the risk control?

; ? Because it is convenient to apply for micro-loans, many people are used to borrowing micro-loans when they are short of money. When some borrowers want to borrow again, they find that they can't borrow any more, and they are subject to risk control by lending institutions. What is the reason why microfinance has been controlled by the wind? How to remove the risk control? Let's take a look.

what is the reason why microfinance has been controlled by the wind? In order to reduce the economic losses caused by loans overdue, most lending institutions have a complete risk control system, which mainly judges whether the borrower has the repayment ability through the loan information, liabilities, repayment records and other related information provided by the borrower. The loan review and post-loan collection are all manifestations of the risk control means of lending institutions. Microfinance is controlled by the wind, that is, the borrower is labeled as a high-risk user by the lending institution and cannot borrow successfully. Generally, there are these reasons: the borrower's hard inquiry records are too many, which will make the lending institution feel that the borrower's funds are tight and the repayment ability may be reduced. When using the loan, the borrower has overdue repayment arrears and cannot pass the system audit again. The borrower's debts have increased, which can't meet the requirements of lending institutions.

how to remove the risk control? If you want to remove the risk control, the borrower can communicate with the customer service of the lending institution and learn the specific reasons for being controlled by the wind. If there are too many credit inquiry records, then don't apply for any credit products, and don't have more than three credit inquiry records in the past three months, and then apply for a loan after raising the credit. If it is a small amount of loans overdue, then settle the overdue loan first, and wait for the overdue record to be automatically eliminated, or take the initiative to contact the loan platform, issue a settlement certificate, and then wait for the system audit. If the debt increases, you can settle some loans, reduce the debt ratio, or choose to apply for loan products that are not sensitive to the debt ratio. If the borrower is controlled by the wind, first of all, it is necessary to find out why the microfinance is controlled by the wind, and then take relevant measures to remedy it.