为何综合评分不足且负债高的情况下，在哪里可以找到借钱论坛？

《借款困境：综合评分不足与高负债下的借贷难题》

一则关于“综合评分不足负债高在哪里可以借钱”的论坛帖子引起了广泛关注，随着社会经济的发展，越来越多的人面临负债问题，而综合评分不足则让这部分人群在借款道路上遇到了难题。

据了解，综合评分不足主要是指借款人在申请贷款时，由于信用记录、收入状况、还款能力等多方面因素未达到银行或其他金融机构的要求，导致无法顺利获得贷款，而高负债则意味着借款人已经背负了较高的债务，再次借款的难度加大。

综合评分不足负债高的借款人到底在哪里可以借钱呢？记者调查发现，一些网络借贷平台成为这部分人群的救命稻草，这些平台往往门槛较低，对借款人的综合评分要求相对宽松，但相应的利率也较高，甚至有些平台存在一定风险。

在论坛帖子中，不少网友分享了自身借款的经历，来自上海的网友“魔都小市民”表示：“我因为综合评分不足，银行贷款一直批不下来，后来在一个网络平台上借到了钱，但利率确实有点高。”

北京的网友“帝都奋斗者”也表示：“我负债较高，想申请贷款减轻压力，但银行审核太严格，无奈之下只能在一些小贷公司借款，利息确实不低。”

针对这一现象，专家建议，借款人在借款前应充分了解自己的信用状况和还款能力，避免盲目借款导致负债过高，借款人应尽量选择正规金融机构，避免陷入高利贷等不良贷款陷阱。

而对于网友们的看法，大多数人认为，借款平台应该加强对借款人的审核，确保借款人的还款能力，同时降低利率，减轻借款人的负担，来自广州的网友“羊城小资”表示：“借款平台应该对借款人负责，不要让借款人陷入恶性循环。”

综合评分不足与高负债下的借款难题，需要借款人、金融机构和监管部门共同努力解决，借款人要理性借款，金融机构要合理设置门槛，监管部门要加强监管，共同维护借款市场的健康发展。

borrowing trouble: the borrowing problem of insufficient comprehensive score and high debt

Recently, a forum post about "where to borrow money with insufficient comprehensive score and high debt" has attracted widespread attention. With the development of social economy, more and more people are facing the problem of debt, and the insufficient comprehensive score makes it difficult for this part of the people to borrow money.

It is understood that the insufficient comprehensive score mainly refers to the borrowers who fail to meet the requirements of banks or other financial institutions in terms of credit records, income status, repayment capacity and other factors when applying for loans, resulting in the difficulty of obtaining loans smoothly. And high debt means that the borrower has already incurred high debt, and it is more difficult to borrow money again.

So where can borrowers with insufficient comprehensive scores and high debt borrow money? Journalists have found that some online lending platforms have become a lifeline for this group of people. These platforms often have relatively low barriers and relatively loose requirements for borrowers' comprehensive scores, but the corresponding interest rates are relatively high, and some platforms even have certain risks.

In the forum post, many netizens shared their own experience of borrowing money. A netizen from Shanghai named "Mogu Xiaoshimin" said, "I have been unable to get a bank loan because of my insufficient comprehensive score, and then I borrowed money from an online platform, but the interest rate is indeed a bit high."

A netizen from Beijing named "Ditu Fight" also said, "I have high debt and want to apply for a loan to reduce the pressure, but the bank's audit is too strict, and I can only borrow money from some small loan companies, and the interest rate is indeed not low."

In response to this phenomenon, experts suggest that borrowers should fully understand their own credit status and repayment capacity before borrowing, and avoid blindly borrowing to cause excessive debt. At the same time, borrowers should try to choose formal financial institutions to avoid falling into the trap of usury and other bad loans.

For the views of netizens, most people think that loan platforms should strengthen the audit of borrowers, ensure the repayment capacity of borrowers, and reduce interest rates to reduce the burden on borrowers. A netizen from Guangzhou named "Yangcheng Xiaozhi" said, "Loan platforms should be responsible to borrowers and not let them fall into a vicious circle."

In short, the problem of borrowing with insufficient comprehensive score and high debt needs joint efforts of borrowers, financial institutions and regulatory authorities to solve. Borrowers should borrow money rationally, financial institutions should set reasonable thresholds, and regulatory authorities should strengthen supervision to jointly maintain the healthy development of the loan market.