Does the opening of Yinxintong mean the success of the loan?

1. The opening of Yinxintong does not mean that the loan is successful.

2. The success of the loan application depends on the final approval notice of the bank, not the opening of Yintong. Yintong is only an e-banking business in which banks provide information push services to customers in the name of banks according to customer needs or regulatory requirements, combined with their own business management needs.

1. yinxintong is the "real-time financial information system", which is a financial data communication platform based on China mobile short message platform and bank financial database. It makes full use of Internet and GSM network resources in an economical and fast way, so that bank individuals and corporate customers can enjoy financial services anytime and anywhere.

2. Business type: account change notification service, in which the bank communication system automatically sends a short message to the user's mobile phone to announce the account change in real time, or notifies the user according to the time set by the bank communication system.

3. Information reminder and notification services: notification services such as loan maturity, time deposit maturity, credit card replacement maturity, credit card overdraft, credit card repayment, new banking business, and changes in bank interest rates.

4. Professional services: information notification services such as securities information notification, transaction return, successful cancellation, entrustment acceptance, share change and securities market information.

Background information of bank ICT:

1. For a long time, the state has attached great importance to the informatization construction of the banking industry: 1993. The National Gold Card Office, composed of 1 1 ministries, organized the "Gold Card Project" and established an automatic payment system for banks. And electronic money projects; In April 2005, the People's Bank of China, together with nine ministries and commissions, issued "Several Opinions on Promoting the Development of Bank Card Industry"; In March 2006, China Banking Regulatory Commission issued the Administrative Measures for Electronic Banking. At the same time, the demand of bank users in deposit and withdrawal and inter-bank transactions has objectively promoted the pace of bank information construction.

2. With China's entry into WTO, a large number of foreign banks have entered the China market, and the competition in the banking industry has become increasingly fierce. The banking industry should further improve the level of informatization, dig deep into demand, continuously expand services and enhance comprehensive competitiveness.

3. With the continuous improvement of the information construction level of the banking industry, since 2003, the banking industry has generally started to use SMS to inform financial service information and carry out product marketing. From 2004 to 2006, after the data concentration was completed, major banks set up their own SMS service platforms and began to send financial business and service SMS messages to customers.