为什么融e借不通过

融e借是工商银行推出的一款个人信用贷款产品，由于其便捷、灵活的特点，受到广大用户的青睐。然而，有时候我们会遇到融e借不通过的情况，这可能是因为以下原因：

征信问题：个人征信是申请融e借的重要参考因素。如果借款人的征信报告中有不良记录，如逾期、欠款等行为，就会影响融e借的审批结果。

收入不稳定：融e借要求借款人具备稳定的收入来源，以保障能够按时还款。如果借款人的收入情况不稳定或收入较低，银行可能会认为借款人缺乏还款能力，从而导致融e借不通过。

负债过高：如果借款人已经存在较高的负债，再申请融e借会增加还款压力，容易造成逾期或违约。因此，银行在审批融e借时会考虑借款人的负债情况，如负债过高则可能不通过。

申请资料不完整或不真实：申请融e借时需要提交一些必要的申请资料，如身份证明、收入证明、住址证明等。如果借款人提交的申请资料不完整或不真实，银行在审批时可能会发现并导致融e借不通过。

英文解读：

Why is the Ronge Borrow not approved?

Ronge Borrow is a personal credit loan product launched by ICBC, which is popular among users due to its convenient and flexible characteristics. However, sometimes we may encounter the situation that Ronge Borrow is not approved, which may be due to the following reasons:

Credit problem: Personal credit is an important reference factor for applying Ronge Borrow. If the borrower has a bad credit record, such as逾期、欠款等行为, it will affect the approval result of Ronge Borrow.

Income instability: Ronge Borrow requires the borrower to have a stable source of income to ensure timely repayment. If the borrower's income situation is unstable or the income is relatively low, the bank may consider that the borrower lacks the repayment ability, which leads to the failure of Ronge Borrow.

High debt: If the borrower already has a high debt, applying for Ronge Borrow will increase repayment pressure and easily lead to逾期 or违约. Therefore, when approving Ronge Borrow, banks will consider the borrower's debt situation, and if the debt is too high, it may not be approved.

Incomplete or untrue application materials: When applying for Ronge Borrow, some necessary application materials need to be submitted, such as identity proof, income proof, address proof, etc. If the borrower submits incomplete or untrue application materials, the bank may discover and lead to the failure of Ronge Borrow during approval.