Ctrip Finance shows that it doesn't support loan for the time being. There are several situations: the borrower's credit information is not good and he can't pass the application; The borrower's age does not meet the requirements; The borrower's repayment ability is poor and the risk of overdue is high; The loan application information filled in by the borrower is incomplete, and the amount applied exceeds the credit line of Ctrip Finance; Ctrip's financial system is upgrading, and it does not support applying for loans.
Ctrip Group (Trip.com Group) is a comprehensive travel service company in China. Founded in 1999 and headquartered in Shanghai, it was listed on NASDAQ in December 23 and on the Hong Kong Stock Exchange on April 19, 221.
The group provides all-round travel services including wireless application, hotel reservation, air ticket reservation, travel and vacation, business travel management and travel information, and was once rated as "the largest travel group in China".
On January 19th, 222, Hurun China Top 5 in 221 was released, and Ctrip Group ranked 114th with a value of RMB 12 billion.
Ctrip offers hundreds of holiday product lines, including more than 2 holiday specialty stores such as Sanya, Yunnan, Hong Kong and Macao, Thailand, Europe, Famous Mountains, Metropolis and go on road trip, and each "specialty store" has several different product combination lines. Guests can choose from Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Chengdu, Nanjing, Qingdao, Xiamen, Wuhan and Shenyang.
nearly 5 tour guides have joined Ctrip's private tour guide platform. The service released by the tour guide is a hiking guide in China, including 9 hours of daily explanation and guidance services. Visitors can complete the whole process of service reservation and transaction through the platform: visitors can choose their favorite tour guides on the platform according to their age, gender, price, service times and comments. After the selection, you can also communicate with the tour guide to initially determine the needs. Before the trip, the tour guide will also customize the personalized tour route for the needs of tourists. After determining the itinerary, visitors can confirm the contract and pay online on the platform.
Ctrip consultants provide travel consultation and reservation services for guests with the help of Ctrip brand and product library. Using Ctrip Consultant APP, Ctrip Consultant can provide the most effective help to consumers who want travel consultation and booking services.
Ctrip launched the high-speed rail channel on July 5, 211, providing consumers with the reservation service of high-speed rail and bullet trains, and only providing delivery services in Shanghai, Jiangsu, Zhejiang and Anhui provinces for the time being. Temporarily provide the purchasing service of high-speed rail and train tickets within 7 days.
since 211, Ctrip. com has launched a prepaid card product code-named "Tour Ticket", and gradually and deeply optimized the user experience and payment scope of the product. In 213, it was officially named "Ctrip Gift Card". There are two kinds of products to choose from: "Ren Woxing" and "Anyou". What does it mean that online business loans can't provide you with loans for the time being?
If the online merchant loan prompts that the loan cannot be provided temporarily, it naturally means that the customer cannot apply for a loan in the online merchant loan in the near future. The reason why this happens is mostly because there is something wrong with the customer's credit, such as poor credit. In this regard, the customer has to spend more time to accumulate good credit, and when the subsequent personal credit is improved, it is not certain that the loan will be resumed (it is recommended to raise the credit for three to six months before seeing it).
of course, sometimes it may just be that the system is being optimized and upgraded, and then it will be restored immediately after the upgrade. The upgrade time is uncertain, maybe a few hours or a few days.
Online loan is the abbreviation of online loan, including individual peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. The number of online lending platforms grew rapidly in China in 212, with about 35 active platforms so far, and the total number had reached 3,54 by the end of April 215.
in September p>219, the leading group for special rectification of internet financial risks and the leading group for special rectification of online loan risks jointly issued the notice on strengthening the construction of credit information system in the field of P2P online lending, which supported the P2P online lending institutions in operation to access the credit information system.
Introduction
The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance.
at the same time, internet finance is a new thing and a new format, so it is necessary to formulate moderately loose regulatory policies to leave room and space for internet finance innovation. By encouraging innovation and strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.
internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement supervision responsibilities, clarify the risk bottom line, protect legitimate operations, and resolutely crack down on illegal and illegal behaviors.
peer-to-peer lending includes individual peer-to-peer lending (i.e. P2P peer-to-peer lending) and online microfinance. Individual peer-to-peer lending refers to the direct lending between individuals through the Internet platform.
the direct lending behavior on the platform of individual peer-to-peer lending belongs to the category of private lending, which is regulated by the contract law, general principles of civil law and other laws and regulations, as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their controlled micro-loan companies.
online micro-loans should comply with the existing regulations of micro-loan companies, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. Peer-to-peer lending's business is supervised by CBRC.
the supervision of online lending platforms, from five or six thousand at the most to only 29 in operation by the end of June, may basically end the special rectification work by the end of the year and turn to regular supervision. How long will it take for Ctrip's financial line to be locked before it can be unlocked by
reapplying for the line. Due to the changes in the credit qualification conditions of users, users cannot obtain loans through this quota, and Ctrip Finance has locked in the loan quota. In this case, the user must reapply for the loan limit. After the approval of the system, the system will give a new loan limit. Of course, it is not excluded that the user has overdue repayment before.
if the quota is locked by the system, it means that the system will not provide loan service to users temporarily. In addition, when the user fails to pass the loan approval, he cannot obtain the loan fund, even if there is a credit line, because the credit line does not mean that the last line has not applied for any loan credit business for at least 2 months, because whether it is successful or not, the credit investigation will leave a hard inquiry record.
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1. Otherwise, if you apply for borrowing flowers again, you will see more inquiry records within 2 months, and you may be stuck. It is relatively simple to maintain credit by handling credit business, that is to say, if you have a credit card, you have to swipe some points every month. The key is to repay the loan on time and standardize the use of credit cards. Put an end to abnormal transactions and increase the number of credit inquiries. If you have a loan, you won't expire. In fact, if you have a limit, you can't borrow money, which is normal. After all, borrowing requires a comprehensive evaluation of the user's credit status. The evaluation requirements are more stringent than when granting credit. You will check the credit survey to understand the credit and liabilities of users. Generally speaking, people with good credit, less debt and strong repayment ability are more likely to borrow money. According to the feedback from many users, most people are trapped in the credit information that they can't borrow a certain amount of money.
2. For example, some people have not repaid their debts before borrowing, or they have been in debt for three or six times in the last two years. These are all objects that must be rejected. In addition, although there are no overdue records, it is impossible to query records more than six times in the past two months. The loan amount of Ctrip is evaluated by the system from time to time, and will change with the change of the borrower's credit status and account status. For example, if the credit conditions continue to improve, the account activity is high, and the credit score is improved, the loan amount may increase. On the contrary, the amount borrowed may be locked, and you need to reapply for the loan amount. Therefore, if you lock in and reapply for the loan amount, you can find the reason from the user's credit status and the user's account status.
3. User's credit status: Usually the most obvious change is that the credit is not as good as before, which affects the repayment ability. You can check whether the credit information has expired or there are too many inquiry records; Then judge the personal debt ratio from the debt situation shown in the credit report, maintain a good credit, reduce the debt ratio as much as possible, and the probability of reapplying for quotas will be higher. Current status of the account: for example, the activity of the account is very low, and it has been a long time since the account was borrowed, or Ctrip has violated the contract to handle loans, overdue loans or other credit products, such as paying flowers and not repaying them on time, which leads to a decrease in the comprehensive score of the account and cannot meet the evaluation standard of the loan amount.