Why can’t I use online business loans? Analysis of hot topics on the Internet in the past 10 days
Recently, many users have reported that online merchant loans cannot be used normally, triggering widespread discussions. Based on the hot topics and data analysis of the entire network in the past 10 days, we have sorted out the possible reasons and the focus of user attention to help you quickly understand the full picture of the incident.
1. Related data of hot topics across the entire network (last 10 days)
| keywords | peak search volume | Main discussion platform | Heat duration days |
|---|---|---|---|
| Online business loans cannot be used | 28,500 times/day | Weibo, Zhihu | 6 days |
| Online merchant loans suddenly closed | 15,200 times/day | Baidu Tieba | 4 days |
| Online banking system maintenance | 9,800 times/day | WeChat community | 3 days |
2. Three possible reasons why online merchant loans cannot be used
1.System technology upgrade: MYBank announced on July 15 that it would upgrade its core system, which may lead to temporary interruption of some services. According to the user feedback timeline, technical problems occurred between July 18 and 20.
| time period | Fault type | Scope of influence |
|---|---|---|
| July 18 10:00-15:00 | Abnormal repayment function | Users from East China |
| July 19th all day | The amount is displayed as 0 | New registered users nationwide |
| July 20, early morning | API interface error | Third-party platform access users |
2.Risk control policy adjustments: Several financial self-media revealed that online merchant loans have recently updated their risk control models, resulting in the withdrawal of some user quotas. Affected user characteristic data shows:
| User type | Proportion | Main features |
|---|---|---|
| Individual industrial and commercial households | 43% | Revenue has dropped in the past three months |
| New registered user | 32% | Credit score below 650 |
| Multi-platform lending users | 25% | Use more than 3 credit products at the same time |
3.Regulatory policy impact: The China Banking and Insurance Regulatory Commission issued the "Notice on Regulating Internet Loan Business" in July, requiring all platforms to complete rectifications before the end of July. Industry insiders analyze that online merchant loans may be adjusting their product structure to adapt to the new regulations.
3. Five issues that users are most concerned about
According to social platform data mining, users focus on asking the following questions:
• Is the sudden return to zero permanent?
• Does abnormal repayment function affect credit report?
• When will system maintenance end?
• How to appeal for restoration of quota?
• Recommendations for alternative products
4. Official response and solution
The latest response from MYBank customer service on July 21:
| Question type | Key points of official reply | Recommended Action |
|---|---|---|
| technical issues | The system upgrade is expected to be completed on July 25 | Peak shifting operation |
| Quota adjustment | Automatic evaluation on the 1st of every month | Keep account active |
| Impact on credit reporting | Normal repayments will not be affected | Keep proof of repayment |
5. Suggestions from industry experts
Financial technology analyst Li Ming pointed out: "Similar situations have occurred in many Internet credit products recently. Users are advised to: 1. Do not click on applications frequently; 2. Check Alipay credit scores; 3. Check the specific reasons through official channels."
At present, the online merchant loan incident is still continuing to ferment, and we will continue to pay attention and update the latest developments in a timely manner. It is recommended that users go through the MYBank APP-My Customer Service and enter "manual service" to obtain exclusive solutions.
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