Industrial Bank reserve is a kind of small loan product that can be used for a short time. These products are launched by banks to meet the needs of users, and users can apply directly when they encounter financial difficulties. The industrial reserve can only be applied once. According to Industrial Bank's positioning of this loan product, the industrial reserve fund is a one-time product. As long as qualified users can apply for use.

To put it simply, a new small product of Industrial Reserve Fund Industrial Consumer Finance is suitable for users with short-term turnover needs to apply. Moreover, the current deadline is only seven days, and users need to repay in full and on time after use, so as not to affect personal credit information after the deadline.

How soon can the industrial emergency fund be used for the second time?

The industrial emergency fund can only be applied once, not twice.

Industrial Bank Co., Ltd. (hereinafter referred to as "Industrial Bank") was established in August 1988. It is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. It was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166) and its head office is located in Fuzhou.

Since its opening 30 years ago, Industrial Bank has always adhered to the business philosophy of "sincere service, accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services. By the end of 20 14, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.4 1 trillion yuan, an increase of 19.84% compared with the beginning of the year. The net assets per share attributable to ordinary shareholders was 65.438+0.286 billion yuan, an increase of 22.6 1% compared with the beginning of the year. The annual operating income was 65.438+024.834 billion yuan, a year-on-year increase of 654.38+04.23%; The net profit attributable to shareholders of the parent company was 4,765.438+0.08 billion yuan, a year-on-year increase of 65,438+0.4365.438+0%; The weighted average return on equity remains at a high level of 2 1. 19%; Branches of 108 and 1435 have been established in major cities in China; It owns subsidiaries such as Xingye International Trust, Xingye Financial Leasing, Xingye Fund, Xingye Consumer Finance, Xingye Wealth and Xingye Guo Xin Asset Management, forming a modern financial service group with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.

As the first "Equatorial Bank" in China, Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated legally, steadily and in a civilized manner, taking into account the interests of shareholders, customers, banks, employees and the social environment, and actively practiced corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad.

Adhere to customer-centeredness, improve the professional management system, continue to deepen business transformation, and unremittingly promote product innovation, process optimization and technological upgrading, and form a professional management system with corporate finance, retail banking and financial markets as the main body. The business field has been continuously expanded, the product series has been continuously enriched, the service system has been increasingly improved, and the comprehensive service capability and service level have been continuously improved.

Industrial Credit Card: It includes five series: standard card, theme card, co-branded card, identification card and corporate card, among which more than 50 kinds of personalized products such as low-carbon credit card, couple card, constellation card, platinum card, debit card and Taobao co-branded card are the first in China, and the cumulative number of cards issued has exceeded130,000. It has many special functions, such as integral consumption (that is, cardholders can brush points at cooperative merchants to deduct consumption funds), consumption/bill installment (that is, a single consumption fund or bill consumption amount can be applied for installment repayment), and numerous customer feedback preferential activities that are irregular throughout the year.

Its "Xingyuehui" VIP customer life appreciation program, from art appreciation to golf events, from brand salons to car test drives, from boutique hotels to customized tourist routes, provides colorful value-added experience activities for credit card VIP customers and enjoys high-quality card experience.

Can I only apply for the industrial emergency fund once?

Yes, you can only apply once.

1. How to apply for an industrial emergency fund?

Users can directly pay attention to the official WeChat account-Industrial Consumer Finance official WeChat, and find the "emergency fund" in the background menu bar. After clicking in, there will be an application entrance. Click "I want to apply" to operate. According to the official introduction, users can apply as long as they are 22-45 years old, and the quota is fixed in 300 yuan.

What's more, this emergency fund has application restrictions, and 300 people are limited to apply every day. If the application quota is exceeded, a prompt "Today's quota is full, please try again tomorrow" will be displayed on the page. Officials say it's to help people who really need money.

2. Why didn't the industrial emergency fund pass?

Although the quota is relatively low, it is still a product for checking credit information, so whether the audit can pass or not is subject to the final audit result. If the user's credit information is poor, there is a bad overdue record or the debt is too high, then the platform naturally dares not borrow. After the approval is successful, the user can choose the term independently, and the principal and interest can be repaid in one lump sum after the expiration.

Generally speaking, the application entrance is mainly in the official micro menu bar, and it is necessary to grab the application quota. If you exceed a fixed number of times, you can only try again the next day.

Three. What is an industrial emergency fund?

Industrial emergency fund is an "emergency fund" product launched by industrial consumer finance for consumers. The quota of this product is 36 yuan. According to the emergency fund rules of Industrial Bank, the term of emergency fund is divided into 6 months, 9 months, 12 months and 18 months. The term is selected by the user, and the principal and interest will be repaid in one lump sum. As for the rate, the emergency fund bears interest every week, with the weekly interest rate of 1 yuan, and the total interest does not exceed that of 30 yuan, and the repayment within 7 days is interest-free.

4. What happened to the full quota of Industrial Emergency Fund today?

Xingye Emergency Loan is a micro-loan credit loan product, which can provide a fixed amount in 300 yuan for eligible borrowers to turn around. The borrower can choose the loan term from 6/9/118 months, and the weekly interest shall not exceed 30 yuan, and the principal and interest shall be repaid in one lump sum at maturity.

The promotion method of Industrial Emergency Fund is similar to hunger marketing. Only 300 loan places are issued every day. If you want to borrow emergency funds, you have to grab a place in the karate APP, but that doesn't mean you have to get it first. The key is that the borrower's qualifications meet the requirements. The system will select 300 eligible applicants to issue loans.

If the industrial emergency fund application shows that the quota is full today, there are probably two reasons:

One is that 300 places have been issued that day, and we can only wait until the next day to update the places, for example, we can grab them at 12 every day.

One is that the borrower's qualification does not meet the requirements, and even if there are still places, it will not lend. For example, some netizens said that they couldn't grab the emergency fund for ten consecutive days. No matter what time, the quota was full, which may be due to insufficient qualifications.

The bank emergency fund is several hundred yuan.

300 yuan's quota.

According to the regulations of Industrial Bank, the emergency fund of Industrial Consumer Finance can only be used once, because the lending financial institutions stipulate that the emergency fund of Industrial Bank is a disposable product. Therefore, because lending financial institutions stipulate that industrial emergency funds are disposable products, they can only apply once.

Users need to repay in full and on time after use, so as not to affect personal credit information beyond the time limit. In fact, the Industrial Emergency Fund is mainly used to solve customers' emergency consumption needs and meet users with smaller needs. Everyone should apply according to their repayment ability.