Customers are advised to choose formal channels to apply for loans, such as Agricultural Bank of China’s “Wangjie Loan”.

Wangjie Loan refers to a small-amount consumer loan issued by Agricultural Bank of China to individual Agricultural Bank of China customers who meet specific conditions. Customers can apply for it on their own, receive it quickly, and use their credit on their own.

“Wangjie Loan” implements the process of self-service application, automatic review and approval, online signing of credit contracts, and self-service credit use. The application process is as follows:

(1) The borrower logs into the online channel designated by the Agricultural Bank of China (personal online banking, mobile banking) and enters the "NetJie Loan" application interface.

(2) The borrower understands the "Wangjiedai" product situation, basic loan conditions and processing procedures.

(3) Fill in the basic information, including the loan period to be applied for, borrowing and repayment accounts, mailing address, etc.

(4) The system verifies the validity of the mobile phone number.

(5) Sign the "Personal Credit Investigation Business Authorization Letter" online.

(6) Confirm the loan information, proposed loan amount, loan purpose, etc.

(7) After reading and signing the "Personal Self-service Small Credit Consumption Loan Contract" online and filling in the application information, the applicant submits the loan application.

The maximum loan amount is 300,000 yuan, and the minimum is 3,000 yuan; the customer's specific limit will be determined based on the customer's business situation in Agricultural Bank of China.