In today's increasingly mature financial technology, credit has become an important yardstick to measure a person's financial health. For those with bad credit records, frequent overdue and non-payment of arrears have made them a red light in the risk assessment of financial institutions. One of the major directions of the reform is to strengthen risk management, so the restriction of the use of this part of the users is also an inevitable choice for risk control.
Next, we're going to talk about people who are unstable or financially worried. In the traditional application fund review, banks and other financial institutions often scrutinize the borrower's proof of income and financial status. Similarly, in the upcoming reform of borrowing, in order to ensure the safety and possibility of funds, more detailed screening of users' financial backgrounds has become a focus of the reform.
But many netizens said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people are using the gold on WeChatCow flowersCome instead of borrowing Huabei, the amount given is high and convenient, if you have a small partner who knows or has already opened it, leave it for comment, let everyone open it.
Those who cannot provide proof of stable income or are in debt will face the situation of not being able to use the borrowing.
There is also a special group of people who cannot be ignored – those who are riddled with legal disputes. This includes those who are under legal action, listed by the court as a judgment defaulter, or other individuals involved in judicial issues. They are turned away on the one hand because the legal issues themselves represent an extremely high risk; On the other hand, it is also to follow the principle of the rule of law in society and promote the establishment of a credit system.
The reform of borrowing is undoubtedly the inevitable result of the development of fintech and the improvement of regulatory policies. In the long run, such a change will not only ensure the healthy operation of the application capital market, but also help cultivate good financial habits of the public and improve the credit level of the whole society. Of course, for those three types of users who may use borrowing, this may be an opportunity to re-examine their financial situation and credit history, and by improving their financial behavior, they can still enjoy convenient and efficient financial services in the future.
The reform of borrowing is not only the innovation of financial products, but also a reshuffle of the financial market order, which reminds everyone that the value of credit cannot be ignored, and a healthy financial environment needs to be maintained by all of us.