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For example, customers' retail business in China Merchants Bank, such as deposit, wealth management, easy receipt and payment, and payroll. , has reached a certain period and the customer's credit has not expired. If the customer meets the rules of the "lightning loan" project, China Merchants Bank will automatically approve a loan pre-credit line for the customer, and inform the customer of the loan pre-credit qualification information and application processing method through SMS. If the customer fails to obtain the qualification to apply for "lightning loan", the customer is required to continue to handle various retail businesses in our bank and maintain a good credit record. As long as the customer meets the qualification of applying for "lightning loan", he can receive SMS notification of applying for "lightning loan" qualification.
The so-called "lightning loan" is the Chinese translation of P2P (Peer to Peer) loan. To put it simply, individuals with money and financial investment ideas lend money to other people with borrowing needs through intermediaries.