How long does it take for many financial institutions to audit?

Generally, the audit of many financial institutions takes 1 to 3 working days. If the audit fails for a long time, you can call the customer service hotline for consultation. After the subsequent approval, the platform will lend money, and then the borrower can repay the arrears according to the contract.

1. These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Law of People's Republic of China (PRC) Commercial Bank and other relevant laws and regulations in order to standardize the operating behavior of working capital loan business of banking financial institutions, strengthen the prudent management of working capital loans and promote the healthy development of working capital loan business.

II. Domestic banking financial institutions established in People's Republic of China (PRC) and approved by China Banking Regulatory Commission (hereinafter referred to as lending institutions) shall abide by these Measures.

Third,? The term "working capital loan" as mentioned in these Measures refers to the local and foreign currency loans issued by the lender to enterprises (institutions) or other organizations that can be used as borrowers as stipulated by the state for the daily production and operation turnover of borrowers.

Four. Lenders shall follow the principles of legal compliance, prudent operation, equality, voluntariness, fairness and good faith in carrying out working capital loan business.

Verb (short for verb)? Lenders should improve the internal control mechanism, implement the whole process management of loans, fully understand customer information, establish a liquidity loan risk management system and an effective post balance mechanism, assign the responsibility of each link of loan management to specific departments and posts, and establish an assessment and accountability mechanism for each post.

An intransitive verb lender shall reasonably calculate the borrower's liquidity demand, carefully determine the borrower's total liquidity credit and specific loan amount, and shall not issue liquidity loans beyond the borrower's actual demand.

The lender shall, according to the scale and cycle characteristics of the borrower's production and operation, reasonably set the business variety and term of the working capital loan, so as to meet the capital demand of the borrower's production and operation, and realize effective control over the withdrawal of loan funds.

Seven,? Lenders should incorporate working capital loans into the unified credit management of borrowers and their group customers, and establish a risk limit management system according to regions, industries, loan types and other dimensions.

Eight, the lender shall, according to the economic operation, the law of industry development and the effective credit demand of the borrower, reasonably determine the internal performance appraisal indicators, and shall not set unreasonable loan scale indicators, and shall not engage in vicious competition and surprise lending.

Nine, the lender and the borrower should agree on a clear and legal purpose of the loan.

Working capital loans shall not be used for fixed assets, equity and other investments, and shall not be used for fields and uses prohibited by the state. The working capital loan shall not be misappropriated, and the lender shall inspect and supervise the use of the working capital loan as stipulated in the contract.

Ten, China Banking Regulatory Commission in accordance with the measures for the implementation of supervision and management of working capital loan business.