1. The comprehensive score is insufficient:
If the customer's qualification is not up to standard, such as poor credit, bad credit record in credit investigation, too high debt, insufficient repayment ability, etc., the system may not give high marks in comprehensive evaluation. If the comprehensive score is insufficient, it is naturally difficult to apply for a loan.
2. Missed call back:
In the process of auditing, Zhongyuan Consumer Finance sometimes selects some customers to pay a telephone call back and asks some questions to ensure that the information submitted by customers is true and accurate. If Zhongyuan Consumer Finance has paid a return visit, but the customer missed it, it may affect the loan approval, and China Post Consumer Finance may pay a return visit to the customer's loan application.
Therefore, customers must pay attention to develop good credit habits and maintain good personal qualifications. After applying for a loan, always keep the phone open so as not to miss the call. The contents of finance are summarized as the issuance and recovery of currency, the absorption and payment of deposits, the issuance and recovery of loans, the trading of gold, silver and foreign exchange, the issuance and transfer of securities, insurance, trust, domestic and international currency settlement, etc.
Institutions engaged in financial activities mainly include banks, trust and investment companies, insurance companies, securities companies, investment funds, credit cooperatives, finance companies, financial asset management companies, postal savings institutions, financial leasing companies, securities, gold and silver, foreign exchange exchanges, etc.
Finance is an economic category formed after the emergence of credit currency, and it and credit are two different concepts: (1) Finance refers to the financing of monetary funds (narrow sense finance), people not only borrow money to finance funds, but also issue stocks to finance funds. (2) Credit refers to the borrowing of all currencies, and finance (in a narrow sense) refers to the financing of credit currency. The reason why people want to create a new concept other than "credit" to refer to the financing of credit currency is to summarize a new economic phenomenon; The two economic processes of credit and currency circulation have been closely combined. Bank credit can create and reduce money, which is the most obvious financial feature. Bank credit is considered as the core of finance.