1, insufficient credit information. The most common reason for the refusal of BOC e-loan is that the credit information is not in place. BOC e-loan is a pure personal credit loan product of China Bank. It does not require the borrower to provide guarantee or mortgage, and it requires high credit for users. A slight credit defect will lead to the rejection of the loan application.

2. The identity does not meet the requirements. China Bank's high-quality payroll customers, wealth private bank customers, mortgage customers, and customers who have paid provident fund, social security and individual tax in some areas are all eligible to apply for BOC e-loan. Users who have no business dealings with China Bank are not eligible to apply for loans.

3. Insufficient repayment ability. Repayment ability is the most critical factor for banks to decide whether to grant loans to users. If the user's income is not stable enough, or the current personal debt ratio is high, the loan application is highly likely to be rejected.