“拥有获得低廉信贷的有效途径，依然是人们提高生活品质的基本方法，”曾长期从事银行业的龙沛智说。

"Getting efficient access to cheap lending is still a fundamental way of how people improve their quality of life," said Mr.

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我来贷的创始人兼首席执行官龙沛智称，申请如果是在凌晨1点至早上6点之间提交的，还款违约的概率就会高一些。

Those filed from 1 and 6 a. m. have a higher correlation with repayment default, according to Simon Loong, the founder and chief executive of WeLab.

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