One or two weeks. According to the query of the official website of the Industrial and Commercial Bank of China, the Industrial and Commercial Bank of China uses big data and Internet technology, based on the customer's settlement transactions in the bank and other dimensions of the data constructed by the customer screening, quota measurement and risk monitoring model, for individual businessmen, small and micro-enterprise owners of personal online credit loans, in a week or two out of the approval results, the whole process will be completed in a month.