IN THE CURRENT FINANCIAL MARKETS, BANKS COMPETE FOR A WIDE RANGE OF PERSONAL CREDIT LOAN PRODUCTS. HOW DO YOU APPLY FOR THE PUFA BANK LINGZHI EXPRESS? THE REASON FOR THE FAILURE IS SHARED! TODAY, LET'S FOCUS ON PUFAI LINGZHI. THE PRODUCT WAS DEVELOPED JOINTLY BY THE STATE INVESTMENT GUARANTEE CORPORATION LTD., SESAME CREDIT MANAGEMENT COMPANY LTD. AND THE SHANGHAI DEVELOPMENT BANK, MAINLY FOR CORPORATE ENTITIES. IF YOU WANT TO KNOW HOW TO APPLY FOR THE PUFA BANK LINGZHI EXPRESS AND WHY THE AUDIT MAY FAIL, THAT'S RIGHT! THE PUFUMI EXPRESS IS A FASHIONABLE, MORTGAGE-FREE PERSONAL CREDIT LOAN OF UP TO $500,000. A THREE-, SIX- OR TWELVE-TERM BORROWING PERIOD MAY BE CHOSEN, AND AN APPROPRIATE PERIOD MAY BE CHOSEN ACCORDING TO YOUR ACTUAL CIRCUMSTANCES. A LEGAL PERSON AGED 20-60 MAY APPLY FOR THIS LOAN ON THE BASIS OF A GOOD PERSONAL CREDIT CONDITION, PROVIDED THAT HE HAS A BUSINESS FOR MORE THAN SIX MONTHS AND HAS A SESAME SCORE OF MORE THAN 1350. HOWEVER, THE THRESHOLD IS RELATIVELY HIGH AND APPROVAL IS FAST. THE AMOUNT DEPENDS MAINLY ON BUSINESS PERFORMANCE AND SESAME CREDITS. IN THE EVENT THAT THE AUDIT IS NOT PASSED, POSSIBLE REASONS INCLUDE: 1) FAILURE TO MEET THE HARDWARE REQUIREMENTS; AND IF THE BUSINESS HAS NOT BEEN IN EXISTENCE FOR MORE THAN SIX MONTHS, THE SESAME FRACTION HAS NOT REACHED 1350 OR THE BORROWER IS NOT A CORPORATE ENTITY OF THE ENTERPRISE. 2) PERSONAL CORRESPONDENCE IS PROBLEMATIC. BANK REQUESTS FOR PERSONAL LETTERS ARE RAISED AND A BAD CREDIT RECORD IN THE LAST TWO YEARS WILL BE REJECTED. 3) BANK PUFA HAS MADE TOO LITTLE PROGRESS. IF THE APPLICANT HAS NOT MADE USE OF A BANK LOAN, A DEPOSIT, A FINANCIAL MANAGEMENT SERVICE, OR A SMALL AMOUNT OF MONEY PAID, ETC。