Postal loan received initial SMS

You can't lend money after receiving the preliminary SMS.

1. How long does it take to review the preferential loans of the Postal Savings Bank? Generally, the preferential loans of the Postal Savings Bank will be approved in about 7 working days, and the loans will be released within 15 days after the approval. The specific time still depends on the actual lending time. You can log in to the "Postal Savings Bank and Mobile Banking Loan Product Introduction" to check the loan approval results.

2. Postal loan of Postal Savings Bank is a pure online credit loan under the Postal Savings Bank. The maximum loan amount that can be applied for is 300,000. Successful users can choose to repay in full or in advance. It is relatively easy for the Postal Savings Bank to pass the examination and approval. Whether it can pass the examination and approval mainly depends on the personal qualifications of the applicant, especially the users who belong to the nature of civil servants or state-owned enterprises want to apply.

3. After the postal loan passed the first trial, I still refused the postal loan. It's more reliable: I studied the loan in a training institution, but I haven't gone to training to prepare for it. What penalty does the training institution ask me to give, and then I ask for 360 yuan. However, after the user applies for the postal savings loan, he can check the approval result of the postal savings loan through the "loan product introduction I want to consume the postal savings loan" of the mobile banking, and lend the money to the provided bank card after approval.

Operating environment: mobile phone model VIVO S7 V2020A version, 7.2. 1 version of Bank of China.

I. Review risks

1. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.

3. Many wrong judgments are caused by banks not listening to experts' opinions on relevant contents or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.