1. What is Bank of Ningbo White Collar Link?
"White-collar service" refers to the business that the lender provides a certain amount of RMB credit to the borrower according to the borrower's credit standing and capital contribution. Within the validity period and credit line of the letter of credit, the borrower may apply to the lender for a designated RMB loan as needed.
2. Did the white-collar workers in Bank of Ningbo pass the examination and approval?
Ningbo White-collar Bank White-collar Link is a credit line provided by Bank of Ningbo to borrowers according to their creditworthiness and contribution. Generally speaking, as long as the applicant meets the application conditions, is over 18 years old, has not retired due to credit, is under 60 years old, has full capacity for civil conduct, has a stable job and income, has solvency and good personal credit, and is relatively easy to pass the examination and approval.
3. What is the reason why White Collar Pass is not approved?
1, the work does not meet the requirements. Bank of Ningbo Bailingtong has certain requirements for the borrower's work unit. The main target customers are employees of public institutions, state-owned enterprises or top 500 enterprises, such as civil servants and teachers. It is easy to pass the exam when applying for the White Collar Pass, otherwise it is easy to be rejected. 2. The borrower is over age. White-collar workers also have certain requirements for the age of borrowers. Women should be under 55 years old and men should be under 60 years old. Otherwise, it will be difficult to pass the audit. 3. The borrower's debt ratio is relatively high. Bank of Ningbo Bailingtong has higher requirements on the repayment ability of borrowers. When a borrower submits a loan application, the bank will check the borrower's credit report. If it is found that there are many outstanding loans in the borrower's name and the current debt ratio is high, it is likely that the borrower is unwilling to lend money in order to control risks.
It can be seen that the reason why Bank of Ningbo Bailingtong was rejected is probably that the comprehensive qualification of the borrower does not meet the requirements of the bank. So I suggest that you can analyze whether you meet the standards from your personal qualifications. If the user does not meet the standard, the organization will not borrow money.