I want to ask why the ICBC planting loan has not been approved for less than three days. The reasons why ICBC's planting loan has not been approved for less than 3 days are:

1. Borrower's poor credit record: If the borrower's loan record in other banks is bad or overdue, the bank will examine and approve the loan more cautiously, and it will take longer to evaluate the borrower's credit status.

2. The amount of loan applied for is large: the borrower applies for a large amount of loan, so the bank needs to make a more detailed assessment of the borrower's repayment ability and assets, and the approval time will be correspondingly longer.

3. Slow speed of bank audit: The recent slow speed of bank audit is due to internal reasons of the bank, such as personnel adjustment or system upgrade, which leads to prolonged approval time.