In the modern financial system, as a convenient way to borrow online, borrowing has been welcomed by many consumers. However, at the same time, due to the needs of supervision and the requirements of risk management, online lending platforms such as borrowing have also set a series of shutdown standards. These standards are designed to ensure the safety of lending and maintain the stability of financial markets. As a consumer, understanding and avoiding these shutdown criteria is essential to maintaining good credit and being able to continue using the borrowing service in the future. 
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient. First, late repayment is one of the most likely behaviors that can lead to the closure of the borrowing account. When the user does not repay the loan within the time agreed in the contract, the system will record this bad behavior. If the overdue period is long or there are multiple overdues, the borrowing platform may take measures to close the user's account. Therefore, even if you are facing temporary financial difficulties, you should try to seek the possibility of deferring repayment through communication as much as possible, rather than choosing to overdue. 
Second, frequent applications for loans and excessive amounts will also trigger the platform's risk control alarm. Some users may frequently apply for loans in a short period of time because they are in dire need of funds, and this behavior may be seen as a sign that there is a problem in the funding chain. In order to control risks, the borrowing platform may take restrictive measures on such accounts, or even directly close them. Third, the provision of false information is also an important reason for the closure of the debit account. Whether it is in the application process or in the subsequent use process, once it is found that the user has provided untrue information, such as false identity certificate, work unit, income, etc., it will directly affect the user's credit assessment, which may lead to the closure of the account. 
Fourth, cash-out and on-lending are violations of the borrowing and borrowing agreement, and once discovered, the account will be closed almost immediately. The so-called cash-out refers to the use of borrowed credit funds for abnormal cash withdrawals; Refinancing, on the other hand, refers to lending the borrowed funds to others. Both of these actions may expose the platform to greater credit risk. Compliant operations are the foundation of online lending platforms. With the continuous update and improvement of regulatory policies, the platform will also adjust its shutdown standards in a timely manner to comply with the latest laws and regulations. Users should pay close attention to relevant policy changes to avoid violating the rules due to lack of understanding of the latest regulations. 
The criteria for the closure of the borrower account mainly involve improper behaviors such as late repayment, frequent application for large loans, providing false information, cashing out and refinancing, and non-compliance with the latest regulatory policies. As a consumer, you should fully understand and abide by these rules, and use online lending services such as borrowing reasonably, so as not to touch the shutdown standards and affect your credit history and future borrowing ability. When using financial services such as borrowing, rational consumption and living within your means are key. Maintaining a good credit history will not only help individuals solve financial problems in times of emergency, but also enjoy more and better financial services in the future. Therefore, understanding the shutdown criteria of borrowing and avoiding risks is a compulsory course for every consumer.