Inquire about bank loan information through SMS

What is the reason for receiving the bank loan text message?

This kind of short message is usually sent after the bank has selected many customers. After all, the banking business is also under great pressure, and it is necessary to complete the monthly, quarterly and annual KPI indicators. Banks will also conduct post-loan management from time to time. If your credit information and financial information change, the bank will get it at the first time, and then match the appropriate loan products and push it to you. It may also be that personal information has been leaked.

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Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

Key Performance Indicators (KPIs) is one of the methods of enterprise performance evaluation, which is characterized by selecting evaluation indicators around key performance areas. This paper introduces the application and characteristics of KPI in common enterprise management education such as MBA, CEO 12 and EMBA.

There are three common key performance indicators: one is benefit indicators, such as asset profitability and profitability; Second, operational indicators, such as department management cost control and market share; Third, organizational indicators, such as satisfaction and service efficiency.

The production process of an enterprise is a process in which workers use labor tools to change their labor objects. Among the three basic elements of enterprise production (labor force, labor materials and labor objects), labor force is the most important factor. Accurate statistics, analysis and prediction of labor productivity indicators are of great significance for enterprises to organize production in an orderly manner, fully develop and rationally use human resources.

Will there be a SMS notification when the mortgage is passed?

There will be a SMS notification when the mortgage is approved. After receiving the SMS notification, users need to sign a loan contract with the bank within the specified time. If the user fails to sign the contract within the specified time, it shall be deemed that the user has given up the mortgage application. In addition to SMS notification, some banks will call applicants to inform users that they have passed the mortgage review, and then they need to go to the bank to sign a contract.

If the mortgage fails, there will be a text message to inform the user. At this time, users can call the mortgage bank and ask the specific reasons for the failure.

legal ground

"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.

What happened when I received the loan text message from China Agricultural Bank?

95599 is the official customer service phone number of ABC. However, the SMS is sent by a pseudo base station, and the customer service number mentioned in the SMS is not the official customer service phone number of ABC. So don't believe it, pay attention to the security of personal account information. You can call the police if necessary.

There are three possibilities for receiving spam:

First, I accidentally registered this platform and entered my mobile phone number, and I will continue to receive advertising information about borrowing.

Second, someone else stole this mobile phone number and registered this loan platform.

Third, this is a marketing strategy, the so-called "casting a wide net and fishing carefully".

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Special rectification of harassing calls

In the governance of spam messages, the three major operators have been repeatedly found by the media to make profits by using spam messages, and this laissez-faire attitude has been repeatedly criticized.

So is harassing phone calls. For example, CCTV Finance "Economic Half-hour" reported earlier that for group call harassing calls, operators can judge whether it is harassment according to how many numbers are called out in one minute. It is not difficult to supervise and shut down, but there is a chain of interests behind group calls, harassing telephone operators to earn 5 or 6 cents per minute.

It is precisely considering the importance of the role of operators and the possible interference of harassing telephone interest chains to operators. The "Proposal" puts strict control of harassing phone channels in the first place, requiring telecom enterprises to "who is responsible for access".

In other words, operators should strictly examine user qualifications. For example, in the number section of "95, 96, 400" which is the hardest hit area, if the threshold for approval and issuance is deliberately lowered to open the door for harassing enterprises, or if there is insufficient disciplinary effect on individuals and enterprise users who make harassing calls, then operators will bear the responsibility in the subsequent special rectification.