Why do banks send loan messages?

If you mean the e-lending business. Icbc e-loan is a personal credit loan of ICBC, with no guarantee, no guarantee and pure credit. The maximum application through self-service channel is 300,000 yuan, and the loan period is generally 2 years, and some customers can enjoy a longer period. The actual interest rate is subject to the channel display at the time of application. Warm reminder, be sure to carefully identify whether it is fraudulent information. If there is a link in it, don't click. It's best to know the telephone number of the customer service staff of the working bank, confirm the information and don't disclose your information.

1. The steps to apply for financial online loan are as follows: 1. Since the credit line of financial e-loan is shared with the credit card line, please reserve the credit card line of consumer loan in order not to affect normal consumption! 2. When handling the financial e-loan, you must remember to bring a U shield or a password device, which is encrypted by hardware and is safe and secure. 3. If you want to successfully apply for a financial e-loan, the methods are as follows: apply for an ICBC credit card and use it frequently; Handling deposits, wealth management, funds, precious metals and other businesses of China Industrial and Commercial Bank; Handle ICBC's pension, enterprise annuity and other businesses; Become a payroll customer of ICBC as soon as possible. In other words, there is an opportunity to enter the white list of financial online loans. 4. Financial e-loan is an unsecured and unsecured RMB loan issued by ICBC to borrowers who meet certain conditions for personal legal and compliance consumption.

Two. Characteristics of ICBC's financial online loan: 1. Borrow more, starting from 600 yuan, up to 800,000. 2. Reduce expenses. From now until June 30, 2007, the loan interest rate is 20%. The one-year loan interest rate is 5.22%, and the one-year loan interest rate is 5.7%. The loan is 65,438+00,000 yuan, and the daily interest is less than 65,438+0 yuan. It's too late. The longest loan period is 5 years, and the longest grace period is 12 months. There is no need to repay during the grace period, and early repayment is supported. 4. Less requirements. No mortgage, no guarantee, pure credit, borrowing at any time, returning at any time; Through the "one-click loan" of online banking and mobile banking, business outlets can also apply for loans and receive them in real time.