It depends on your retail business in our bank, such as one-card and lightning loan application qualification and quota improvement. I suggest you use China Merchants Bank card more in the future to accumulate comprehensive scores. If there are more transactions (such as deposits and wealth management), the larger the amount and the longer the time, the more likely you are to obtain the qualification of "lightning loan" and the higher the amount;

At the same time, you need to keep a good personal credit record ~

At present, mobile banking supports flash loan application, and our credit business system automatically completes loan approval and lending.

Application process: After logging in to mobile banking, click "My → All → My Loan → My Flash Loan" to enter the application page.

The interest rate of lightning loan is determined by the system according to your comprehensive credit rating, and the interest rate of successful loan is the final interest rate (no handling fee). You can generally see it in the application interface above.