1. overdue behavior: microfinance attaches great importance to personal credit. In the event of overdue behavior, it is possible to reduce or close the quota. The overdue here not only refers to the overdue of small loans, but also may affect the quota if the installment payment is overdue or the credit function being used, such as riding without deposit, defaults.
2. Careless friends: Many people may not know that careless friends will also lead to a decline in the quota. What are the specific circumstances? If your friend has an account that has been complained and reported many times, or you are dragged into an illegal group, it will affect the quota. In addition, if illegal remarks are made, it will also have a negative impact on the amount of micro-loans.
3. Decline in repayment ability: Although micro-loans mainly analyze users' credit status through their social data, users' repayment ability, such as income and liabilities, is influential. For example, if the user loses his job, the provident fund is cut off, or he borrows money from other credit institutions many times, the system will also think that the repayment ability is not good.