Staging Music is the website of "Shenzhen Staging Music Network Technology Co., Ltd.", headquartered in Shenzhen, focusing on online shopping malls for young people.
Staging Music is a subsidiary of Shenzhen Staging Music Network Technology Co., Ltd., which was established in Shenzhen on 20 13. It is the leading Internet consumer finance service provider in China and the first member of China Internet Finance Association. In terms of business model, Staged Music cooperates with JD.COM Mall and many partners, starting with the purchase of mobile phones by stages, and gradually expanding to the entire 3C digital, outdoor sports, beauty care, education and training, eating, drinking and having fun.
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Loans that fail to pass the audit are usually caused by the following reasons:
1, personal credit is not good. Personal credit information is the primary standard of bank loans. In particular, bank credit loans require higher credit information of borrowers, and the credit information of borrowers is slightly flawed, which easily leads to the failure of bank loan approval. In addition to borrowers, bank mortgage loans also have certain requirements for collateral.
2. The repayment ability is not strong. No matter which bank or financial institution lends money, it will definitely assess the risks. When you apply for a bank loan, the platform first reviews and evaluates the borrower's repayment ability. The bank loan application is not approved, largely because the borrower's personal income level can't meet the repayment amount, or the borrower has several loans that have not been paid off, and the credit situation can't meet the repayment requirements, so the probability of applying for approval is very small.
3. The personal debt ratio is too high. Generally speaking, the reason for the failure of handling bank loans is that the borrower's personal debt ratio is too high, except that there is no stable job. How to judge personal debt ratio? Under normal circumstances, banks' assessment standard for debt ratio is 50%-70%, and some banks also stipulate that it cannot exceed 30%. If it exceeds this range, the bank will refuse the loan.