The status of the order is delivered to the bank for processing, which means that it has passed the installment review and has been handed over to the cooperative bank or licensed financial institution for final review. Since this status cannot be cancelled, users need to wait patiently for the result. Under normal circumstances, the results will be produced within 48 hours and will be processed within 3 working days at the latest.
The first is online lending, mbth is Internet lending, and p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly. Up to now, there are about 350 active platforms, and by the end of April 20 15, the total number of online lending platforms has reached 3054.
Second, from 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Risks in peer-to-peer lending jointly issued the Notice on Strengthening the Construction of Credit Information System in P2P Online Lending, which supported the operating P2P online lending institutions to access the credit information system.
Third, the essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.
Fourth, Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the risk bottom line, protect legitimate operations, and resolutely crack down on illegal activities.
Fifth, peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by contract law, general principles of civil law and other laws and regulations, as well as relevant judicial interpretations in the Supreme People's Court.
6. Network micro-credit refers to the micro-credit provided to customers by Internet companies through their controlled micro-credit companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by CBRC.
What does it mean that staged music has been delivered to the bank for processing?
Installment music has been delivered to the bank for processing, which means that the bank is conducting an audit. However, the delivery of staged music to the bank may not be successful, because the bank will conduct strict examination and the bank will not lend if the individual's comprehensive qualifications do not meet. Generally speaking, if an individual has overdue loans and his credit information is poor, the approval may fail. If the comprehensive qualification is ok, the probability of success is still relatively large.
Extended data:
Staging music is a financial service platform for young people in Lexin. It uses artificial intelligence and big data risk control technology to cooperate with financial institutions such as banks to provide personal consumption credit and scene staging services for the public.
Staging Music is a high-quality staging shopping center owned by Lexin. Founded in June 20 13, it is the pioneer of China's installment shopping e-commerce model. It has always adhered to the brand concept of "enough is enough, enjoy it".
Staging Music Mall has established cooperation with many famous brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , and has become the third largest Internet channel after JD.COM and Tmall. Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million.
Staging Music is the website of "Shenzhen Staging Music Network Technology Co., Ltd.", headquartered in Shenzhen, focusing on online shopping malls for young people.
sight
Create a staged shopping center that is most trusted by young people.
delegation
Let everyone enjoy super-high quality consumer services easily and make their dreams within reach.
Staging music has created a business model of micro-consumer finance on the Internet. At the front end of consumption, staged music has improved the shopping experience of users through cooperation with JD.COM and others; At the back end of creditor's rights processing, we launched orange financing in June 2065438+2004, and exclusively represented all creditor's rights in stages, forming a closed-loop ecology of "self-production and self-sale".
Staging Music has been invested by many top domestic and foreign investment institutions and well-known enterprises such as JD.COM, DST, Pioneer Huaxing, Jingwei China and Bertelsmann Asia Investment Fund.
Is it stable that the installment loan has been delivered to the bank for processing?
Apply for an installment music loan. If the system shows that the loan has been handled by the bank, it means that the platform is looking for the lender and has not yet matched the funder. The fact that the loan is still under approval does not mean that the loan will be received in the future.
Because if we can't find a suitable lending institution after the platform, all employers have no loan quota, and it still can't lend money, so customers naturally can't borrow money. Moreover, if the platform finds that there is a problem with the latest credit of the customer in the second audit before lending, it may refuse to lend, resulting in the failure of the customer's loan.
Of course, "the loan has been handled by the bank" at least means that the customer's loan has passed the preliminary examination, so if there is no accident, as long as the lending institution has sufficient funds and the customer's recent credit is good, the loan term can be successfully extended, and the subsequent rejection or loan failure is still rare.
If customers want to borrow money smoothly, they must pay attention to maintaining good personal credit, especially when repaying credit products under their names. And don't borrow too much at the same time, so as not to be rejected because of the existence of long-term loans.
Brief introduction of staging music company
Ji 'an Staging Music Network Microfinance Co., Ltd. is a holding subsidiary of Shenzhen Staging Music Network Technology Co., Ltd., which is a subsidiary of Lexin (the first network microfinance company in Ji 'an).
Relying on Lexin's advantages in the field of consumer finance, such as consumption scenarios, credit data, risk control, financial technology and asset management, installment music network small loan will be dedicated to serving the Internet consumer finance ecosystem based on young people's consumption needs, and provide excellent, convenient and efficient credit solutions for young people and supply chain enterprises by using modern big data analysis and top domestic financial technology.
The installment music network small loan takes serving the consumer finance ecosystem as its own responsibility, and at the same time focuses on "value, sharing and ecology", continuously optimizes domestic personal consumer credit and financial products of upstream and downstream supply chain enterprises, and realizes the upgrade from individual customers to industrial chain and then to ecosystem driven by three core elements of scenario, data and technology, and continues to contribute value to the healthy development of the ecosystem.
Staging Music is a high-quality staging shopping center owned by Lexin. Founded in June 20 13, it is the pioneer of China's installment shopping e-commerce model. It has always adhered to the brand concept of "enough is enough, enjoy it".
Staging Music Mall has established cooperation with many famous brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , and has become the third largest Internet channel after JD.COM and Tmall. Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million.
brief introduction
Staging Music is the website of "Shenzhen Staging Music Network Technology Co., Ltd.", headquartered in Shenzhen, focusing on online shopping malls for young people.
corporate culture
sight
Create a staged shopping center that is most trusted by young people.
delegation
Let everyone enjoy super-high quality consumer services easily and make their dreams within reach.
Running die
Staging music has created a business model of micro-consumer finance on the Internet. At the front end of consumption, staged music has improved the shopping experience of users through cooperation with JD.COM and others; At the back end of creditor's rights processing, we launched orange financing in June 2065438+2004, and exclusively represented all creditor's rights in stages, forming a closed-loop ecology of "self-production and self-sale".
Enterprise background
Staging Music has been invested by many top domestic and foreign investment institutions and well-known enterprises such as JD.COM, DST, Pioneer Huaxing, Jingwei China and Bertelsmann Asia Investment Fund.
What does it mean that staged music has been delivered to the bank for processing?
The installment music has been delivered to the bank for processing, which means that the loan review has passed. At this time, if the matching financial institution fails to approve the money after the waiting period, the user's loan application will fail. As a matter of fact, it is basically a grant that has been handed over to the bank for processing, and the loan funds will arrive when the bank liquidation is completed.
Of course, it does not rule out the failure of approval of very few funds. At this time, users need to check whether their bank cards are in normal state, and abnormal bank card status will lead to the failure of fund approval.