1' s credit information is not good: Happy Second Loan of Changsha Bank is a bank loan on the one hand and a credit loan product on the other. This kind of loan products have strict requirements for the applicant's credit information. If there is an overdue personal credit record, the loan application cannot be passed.
2 Insufficient repayment ability: Happy Second Loan of Changsha Bank is a credit loan, so it does not need to provide mortgage, so it will pay more attention to the applicant's repayment ability, and will be rejected in the case of unstable income or high debt.
3 Incomplete information: The application information submitted when applying for a loan is not comprehensive, and Changsha Bank cannot make a comprehensive evaluation of the applicant.
1. Brief introduction of Changsha Bank:
Changsha Bank was established in May 1997, initiated by the original shareholders of Changsha Finance Bureau, Changsha Kaifu Finance Bureau, Changsha Furong Finance Bureau, Changsha Tianxin Finance Bureau, Hunan Post and Telecommunications Administration, Changsha Xinda Industrial Co., Ltd., Changsha Commercial Corporation, fourteen former urban credit cooperatives and urban union. In 2008, it was renamed Changsha Bank, which is the first regional joint-stock commercial bank and the largest corporate financial enterprise in Hunan Province. Changsha Bank was listed on the Shanghai Stock Exchange on September 26th, 2008. It is the first listed bank in Hunan with the stock code of 60 1577 and the stock abbreviation of Changsha Bank. It has 30 branches and branches directly under it, including Guangzhou Branch, and its business outlets have achieved the coverage at the prefecture and city levels in Hunan Province. Three village Town Bank in Xiangxi, Qiyang, Yizhang and Hu Ba Consumer Finance Co., Ltd. in Yin Chang, Hunan have been established successively ... At the same time, mobile banking, online banking, WeChat banking and telephone banking services are provided for customers 365 days *24 hours. At the end of June, the total assets reached 759.22 billion yuan.
Second, the scope of business
The business scope of the bank has been approved by the China Banking Regulatory Commission and other regulatory authorities, mainly including: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill acceptance and discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Engaged in bank card business; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Other businesses approved by the State Council Banking Regulatory Authority.