It may not be received in the loan. In the middle stage of lending, there may be various problems, such as the abnormal state of receiving bank cards, the maintenance of bank channels, the lack of lending funds and so on. As long as there is a problem with lending, lending will fail. Therefore, the loan page is displayed as loan, and the user must wait for the final loan result.
Take our department's version 7.2.0, Apple 13(IOs 15.2 system) and Huawei mate 40(harmony OS 2 system) as examples. Our department shows that it usually takes 1-3 working days to receive the loan. If it is postponed on weekends or holidays, everyone just needs to wait patiently for the loan. But it hasn't arrived for a long time. At this time, you can call the customer service phone of the platform to consult the specific reasons.
I come from Microfilm Information Technology (Shenzhen) Co., Ltd. ... formerly known as "You come and I go", and I have been focusing on pure online operation since it was launched on 20 14. As of September 20 19, it has served more than 40 million users. Through cooperation with financial institutions, internet giants and head industry platforms, it has brought pure online digital consumption to people with high growth potential.
I am a pure online financial technology product under the Asian financial technology group welab. With the self-developed real-time big data processing platform, I am providing consumer credit services to wage earners and small and micro business owners through data processing, risk management and marketing.
Does the money station show that the loan will be repaid?
Just because the money station shows that "the loan is in progress" does not mean that the borrower will definitely get the loan. This "in loan" is closer to the meaning of audit. Only when the money stand shows "loan successful" can the borrower guarantee that he will get the loan.
If after the user applies for a loan in Qian 'an, Qian 'an keeps displaying "Loan in progress" but fails to pay the loan, this may be caused by the following reasons:
(1) regulatory policy. From the end of 20 17 to the end of 20 18, people have been complaining that money can't stand it, and this period happens to be the period when the CBRC strengthens supervision. In other words, when the supervision is strict, the speed of money stations will slow down. The main reason is that Qianzhan has strengthened the examination of borrowers, which requires a longer examination time.
(2) The lender. According to the feedback from netizens, the lending speed of the currency station is very random. Some people can make the next payment within a few hours, while others have to wait a few days to make the next payment. Considering that the money station needs to raise loan funds, this should be related to the lender of the loan. Lenders provide funds quickly, and borrowers can get loans immediately; Lenders are slow to provide funds, so borrowers need to wait.
(3) The borrower's application was rejected. Because the "loan in progress" at the money station does not mean that the borrower will definitely get the loan, if the loan has not been received for a long time, it may be because the money station declined the borrower's application.
You and I are borrowing money. Do we have to receive it?
It may not reach the account. Your loan belongs to a third-party loan platform. When applying for a loan, the user needs to match the appropriate employer's financial loan, and the loan will not be issued before the employer approves it. After the approval of the management, there will be a fundraising process, which will take about 1-2 days. After signing the contract, it will take you and me about 3 days to get the loan. When there are too many users, the loan speed will also be affected, which may be 5-6 days, so you can wait for the loan to arrive.
The excellent loan matching between you and me is basically stable, and the general loan will be successful, but the loan speed is busy. At present, your loan is issued by third-party financial institutions, such as Guangzhou Huijin and Shang Qi Bank. Your loan application will be reviewed twice, once by the platform and once by the employer. Therefore, the approval of the platform does not mean that the loan 100% is successful, and whether it can be successful depends mainly on the employer's results. If users match Shang Qi Bank and Guangzhou Huijin, the lending speed will be faster. Basically, you can get the loan after signing the contract on the same day. After all, Ji Rong is an old-fashioned loan product.
The background of the establishment of "You and I Lend" stems from the epidemic situation in P2P lending field. This online form of private lending has alleviated the outstanding problem of financing difficulties for domestic SMEs to some extent. Ma Weihua, president of China Merchants Bank, has said on many occasions that the combination of social networks and finance may have a subversive impact on the traditional financial industry. Looking at the entire financial product market, traditional financial products are also accelerating e-commerce. More and more financial industries use the Internet and other technologies to sell financial products, acquire new customers and complete customer service. Financial e-commerce has become a trend.
As a "fund matchmaker", "Youwo Loan" creatively regulates the financing between investors and financiers with the help of extensive and efficient online media to meet the common needs of both parties and achieve a win-win situation for enterprise development and investment income.
As intermediary service providers, you and I assume the role of information collection and information authenticity verification, including but not limited to basic information such as ID card, credit status, appearance, education, social security, provident fund, immediate family members, work unit and network traces. We can screen and select the credit of interveners according to the information collected and verified by you and me, so as to reduce the risks brought by information asymmetry.
Through the design of bidding mechanism, each loan is naturally allocated to several lenders, which reduces the concentration risk of lenders; By compulsory decentralized repayment every month, the financial situation of intermediary borrowers can be tracked in time, and the interests of lenders can be guaranteed to the maximum extent. You and I also took the lead in launching the principal and interest payment service. If there is a risk of default, you and I promise to advance the principal for investors first.