The following reasons can be referred to:
First, the deduction time is not up: the micro-loan will be deducted twice on the repayment date, the first deduction time is at :, the second deduction time is at 17:, and no deduction will be made in other time periods. If the deduction is not successful on the repayment date, it will be replenished again in the early morning of the next day.
second, the account balance is insufficient: there is no balance available for deduction in the micro-loan repayment account, and naturally it will not take the initiative to deduct.
online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, 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, 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 P2P online loan field, supporting the P2P online lending institutions in operation to access the credit information system.
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. 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 regulatory responsibilities, clarify the bottom line of risks, 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. Direct lending on the platform of individual peer-to-peer lending belongs to the category of private lending, which is regulated by laws and regulations such as contract law, general principles of civil law and 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. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of online lending, 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. Deduction time of micro-loan
Micro-loan will be deducted for the first time between : and 12: on the repayment date. If the deduction fails, the second deduction will be made from 17: to 21: . In other words, users need to ensure that there is enough balance in the repayment bank card for repayment before : on the repayment date. If the first deduction fails, the repayment amount should be prepared before 17 o'clock, so that the system can make up the deduction on the repayment date.
if you miss the above two deductions and still fail to repay after 24 o'clock on the repayment date, it will be counted as overdue. Overdue is not only a credit report, but also an overdue fee.
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Internet bank Weizhong Bank in China for WeChat users and mobile QQ users. It was launched on mobile QQ in May 215 and on WeChat in September.
The "micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ Wallet" of mobile QQ and the "WeChat Pay" of WeChat, and can get a loan amount of up to 2, yuan.
As an Internet bank loan product launched by Weizhong Bank, "micro-loan" has the following characteristics:
(1) it is unsecured and unsecured;
most of the personal loans provided by traditional financial institutions require the borrower to provide mortgage and other guarantees, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit.
(2)7*24 hours service, and the loan can be completed in one minute at the earliest;
relying on strict risk control rules and complete technical support system, "micro-loan" provides 7*24-hour online service, with convenient and efficient procedures. All the procedures are completed on the mobile phone, and the loan can be received in 4 seconds at the earliest.
(3) there is no handling fee for prepayment;
most traditional financial institutions require users to repay on the repayment date. If users want to repay in advance, they need to apply and pay a handling fee. In addition to the conventional default withholding and repayment, "micro-loan" also supports users to settle loans at any time, and does not charge any other additional formalities. Can I borrow micro-loans on weekends?
The review time of micro-loans is 24 hours a week, seven days a week. Whether it is Saturday or Sunday, whether it is during working hours or rest hours, there are people who approve loans for users.
when a user opens the WeChat wallet, it means that he can apply for a loan. Generally, when he borrows the first payment, the official customer service will call the lender.
You must remember to answer the phone. If you miss it, you need to reapply, and the review time will be longer for the second application.
what are the methods of micro-credit withdrawal?
1. Improve personal information
Micro-credit also attaches great importance to the identity of users. You can supplement your personal information on WeChat as much as possible, and your mobile phone number and email address can be bound.
2. Make more use of WeChat payment and life service
Users can make more use of the payment function and life service on WeChat, such as mobile phone recharge, take-out, purchasing plane and train tickets, renting charging treasure, etc., which can effectively improve their WeChat payment score.
Finally, when you use micro-loans, you must remember to repay them on time to avoid overdue and wasting your personal credit information.
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Internet bank Weizhong Bank in China for WeChat users and mobile QQ users. It was launched on mobile QQ in May 215 and on WeChat in September.
"Micro-loan" adopts the official invitation system. At present, invited users can see the entrance of "Micro-loan" in the "QQ Wallet" of mobile QQ and the "WeChat Pay" of WeChat, and can get a loan amount of up to 2, yuan.
"Micro-loan" products are positioned as Internet micro-credit products, with loan amount below 2, and loan interest rate lower than that of general credit cards. KLOGO
"Micro-loan" is the first batch of customer orientation users who are most suitable for "Micro-loan" through the "white list" mechanism, mainly in Weizhong and Tencent. Next, Weizhong Bank will go online with QQ wallet and WeChat wallet. [1] "Micro-loan" adopts the user invitation system, which randomly selects white-listed users from users who meet the current credit conditions and invites them to use the products.
users can click "borrow money" with one click as long as they have bound the bank card, and the system will judge the personal credit status within a few seconds and give a certain amount. Users can complete the loan online without any collateral and fill in the information according to the corresponding prompts.
users only need to click "borrow money" in the "wallet" entrance of QQ and WeChat, and the system will judge the personal credit situation within a few seconds, and give the loan amount ranging from 5 yuan to 2, yuan. Users can complete the loan within 3 minutes without any collateral and fill in the information according to the corresponding prompts. After borrowing money, it can be settled in advance at any time, with daily interest. When will the micro-loan be deducted?
The micro-loan will be deducted for the first time between : and 12: on the repayment date. If the deduction fails, the second deduction will be made from 17: to 21: .
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Internet bank Weizhong Bank in China for WeChat users and mobile QQ users. It was launched on mobile QQ in May 215 and on WeChat in September.
The "micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ Wallet" of mobile QQ and the "WeChat Pay" of WeChat, and can get a loan amount of up to 2, yuan.
on may 15th, 215, "micro-loan" was officially launched on mobile QQ, and it landed on wechat on September 14th.
by the end of December, 22, the micro-loan financial poverty alleviation project has officially landed in 42 poverty-stricken counties (including 32 at the national level), and the total value-added tax contributed by the project to poverty-stricken areas is about 1.453 billion yuan, effectively helping local poverty alleviation.
As an Internet bank loan product launched by Weizhong Bank, "micro-loan" has the following characteristics:
(1) it is unsecured and unsecured;
most of the personal loans provided by traditional financial institutions require the borrower to provide mortgage and other guarantees, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit.
(2)7*24 hours service, and the loan can be completed in one minute at the earliest;
relying on strict risk control rules and complete technical support system, "micro-loan" provides 7*24-hour online service, with convenient and efficient procedures. All the procedures are completed on the mobile phone, and the loan can be received in 4 seconds at the earliest.
(3) there is no handling fee for prepayment;
most traditional financial institutions require users to repay on the repayment date. If users want to repay in advance, they need to apply and pay a handling fee. In addition to the conventional default withholding and repayment, "micro-loan" also supports users to settle loans at any time, and does not charge any other additional formalities.
the credit line of "micro-loan" to users is between 1 yuan and 2, yuan, which varies according to the individual's comprehensive situation. A single loan can be borrowed from 1 yuan-4, yuan.
the daily interest rate is .2% -.5%, and the daily interest for 1, yuan is 2-5 yuan.
by the end of 219, "micro-loan" has issued more than 46 million loans to more than 28 million customers in nearly 6 cities in 31 provinces, municipalities and autonomous regions, with a cumulative amount of more than 3.7 trillion yuan.