It may not be received in the loan. In the middle stage of lending, there may be various problems, such as abnormal status of acquiring bank cards, maintenance of bank channels, and insufficient lending funds. As long as there is a problem with lending, lending will fail. Therefore, the loan page is displayed as a loan, and the user must wait for the final loan result.
Take version 7.2.0 of our department, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples. Our department shows that it usually takes 1-3 working days to receive the loan. If it is postponed on weekends or holidays, everyone just needs to wait patiently for the loan. But it hasn't arrived for a long time, so at this time, you can call the customer service phone of the platform to consult the specific reasons.
I'm from Weiyinglian Information Technology (Shenzhen) Co., Ltd., formerly known as Nilaidai, and I've been focusing on pure online operation since I went online on 20 14. As of September 20 19, it has provided services to more than 40 million users. Through cooperation with financial institutions, internet giants and head industry platforms, it has brought pure online digital consumption to people with high growth potential.
I am a pure online financial technology product under the Asian financial technology group welab. With the self-developed real-time big data processing platform, I am providing consumer credit services for wage earners and small and micro business owners through data processing, risk management and marketing.
Does the money station show that the loan will be repaid?
Just because the money station shows "loan in progress" does not mean that the borrower will definitely get the loan. This "in loan" is closer to the meaning of audit. Only when the money station shows "loan successful" can the borrower guarantee to get the loan.
If after the user applies for a loan at the money station, the money station keeps displaying "Lending" but does not lend money, it may be caused by the following reasons:
(1) regulatory policy. From the end of 20 17 to the end of 20 18, people complained that money was unbearable, and this period happened to be the period when the CBRC strengthened supervision. In other words, if the supervision is strict, the speed of money stations will slow down. The main reason is that Qianzhan has strengthened the examination of borrowers and asked for a longer examination time.
(2) the lender's situation. According to the feedback from netizens, the lending speed of Qianzhan is very casual. Some people can make the next payment within a few hours, while others have to wait a few days to make the next payment. Considering that the money station needs to raise loan funds, this should be related to the lender of the loan. Lenders provide funds quickly, and borrowers can get loans immediately; Lenders are slow to provide funds, so borrowers need to wait.
(3) The borrower's application was rejected. Because the "loan in progress" in the money station does not mean that the borrower will definitely get the loan, if the loan is not received for a long time, it may be because the money station declined the borrower's application.
You and I are lending money. Do we have to accept it?
It may not reach the account. Your loan belongs to the third-party loan platform. When applying for a loan, users need to match the appropriate financial loan from the employer, and the loan will not be issued until the employer has approved it. After the approval of the management, there will be a fund-raising process, which will take about 1-2 days. It will take about three days for you and me to get the loan after signing the contract. When there are too many users, the lending speed will also be affected, which may be 5-6 days. So, you can wait for the loan to arrive.
The excellent loan matching between you and me is basically stable, and the general loan will be successful, but the loan speed is busy. At present, your loan is provided by third-party financial institutions, such as Guangzhou Huijin Company and Bank of Shang Qi. Your loan application will be reviewed twice, once by the platform and once by the employer. Therefore, the approval of the platform does not mean that the loan 100% is successful, and whether it can be successful depends mainly on the results of the employer. If users match Shang Qi Bank and Guangzhou Huijin, the lending speed will be faster. Basically, you can get the loan after signing the contract on the same day. After all, Ji Rong is an old-fashioned loan product.
The background of the establishment of "you and I lend" stems from the outbreak of peer-to-peer lending. This network form of private lending has alleviated the outstanding financing difficulties of domestic small and medium-sized enterprises to some extent. Ma Weihua, president of China Merchants Bank, has said on many occasions that the combination of social networks and finance may have a subversive impact on the traditional financial industry. Throughout the entire financial product market, traditional financial products are also accelerating e-commerce. More and more financial industries use Internet and other technologies to sell financial products, acquire new customers and complete customer service. Financial e-commerce has become a trend.
As the "matchmaker of funds", "Youwo Loan" creatively regulates the financing between investors and financiers with the help of extensive and efficient online media, so as to meet the common needs of both parties and realize a win-win situation between enterprise development and investment income.
As intermediary service providers, you and I assume the roles of information collection and information authenticity verification, including but not limited to the basic information of ID card, credit status, appearance, education, social security, provident fund, immediate family members, work units, network traces and so on. We can screen and select the credit of interveners according to the information collected and verified by you and me, so as to reduce the risk brought by information asymmetry.
Through the design of bidding mechanism, each loan is naturally allocated to several lenders, which reduces the concentration risk of lenders; By compulsory monthly decentralized repayment, the financial situation of intermediary borrowers can be tracked in time and the interests of lenders can be guaranteed to the maximum extent. You and I also took the lead in initiating the service of repaying principal and interest. In case of default risk, you and I promise to advance the principal for investors first.