为什么网贷会有通讯录？

在网贷行业中，通讯录的收集和使用已经成为了一种常见的做法。这背后的原因主要有以下几点。

首先，通讯录作为借款人的一种信息资料，可以被用来核实借款人的身份和联系方式。在网贷申请过程中，借款人通常需要提供自己的通讯录信息，以证明其提供的联系方式是真实有效的。

其次，通讯录还可以作为风险控制的手段之一。通过分析借款人的通讯录，网贷平台可以了解借款人的社交圈子和人际关系，从而评估其还款能力和信用状况。例如，如果借款人的通讯录中有很多信用记录良好的朋友或亲属，那么这可能会增加其还款的可能性。

此外，通讯录还可以用于逾期催收。当借款人出现逾期还款的情况时，网贷平台可以通过联系借款人的通讯录中的联系人，来提醒和催促借款人尽快还款。这种方式可以在一定程度上提高逾期催收的效率和成功率。

总的来说，网贷平台收集和使用通讯录信息，主要是出于核实借款人身份、评估信用状况以及逾期催收等目的。然而，这一做法也引发了一些隐私泄露和滥用等担忧。因此，网贷平台在收集和使用通讯录信息时，应该遵守相关法律法规和隐私政策，确保用户信息的安全和合法使用。

Why Would Online Lending Have Access to Phone Contacts?

In the world of online lending, the collection and utilization of phone contacts have become a common practice. This practice is primarily motivated by several reasons.

Firstly, phone contacts, as a type of information for borrowers, can be used to verify their identity and contact details. During the online lending application process, borrowers are typically required to provide their phone contacts to prove that the contact information they provide is authentic and valid.

Secondly, phone contacts can serve as a tool for risk management. By analyzing a borrower's phone contacts, online lending platforms can gain insights into their social circle and interpersonal relationships, thereby assessing their repayment ability and creditworthiness. For instance, if a borrower's phone contacts include many friends or relatives with good credit records, it might increase the likelihood of them repaying their loan.

Additionally, phone contacts can be utilized for delinquency collections. When a borrower defaults on their loan repayments, online lending platforms can contact the borrower's phone contacts to remind and urge them to repay the loan as soon as possible. This approach can improve the efficiency and success rate of delinquency collections to some extent.

Overall, online lending platforms collect and use phone contacts primarily for the purposes of verifying borrowers' identities, assessing creditworthiness, and delinquency collections. However, this practice has also raised concerns about privacy breaches and misuse. Therefore, when collecting and utilizing phone contacts, online lending platforms should comply with relevant laws, regulations, and privacy policies to ensure the security and legitimate use of user information.