When an individual or an enterprise applies for a loan, the bank usually requires a large number of documents and information from the applicant, as well as an examination and assessment. However, even if this process is passed, the applicant may be rejected by the bank. It is even more surprising that even if the bank has agreed to extend a loan to the applicant, the bank may still fear that the respondent will call。

Client complaints

First, banks may fear that their clients will have problems during the loan and complain to the bank. In processing loan applications, banks collect many sensitive information and documents from their clients, and applicants need to provide detailed information on the status of their personal assets and liabilities, which may be problematic for banks if the client does not know how to handle sensitive information. If banks wish to avoid any potential disputes before they are audited, they may require clients to resolve problems through trained staff rather than directly interacting with clients。

2. Unnecessary intervention

Second, banks may fear that clients may interfere in the processing of loans without any need. Sometimes, of course, applicants have to call the bank to urge it to process the loan application in a timely manner within the time they should do. However, if banks wish to avoid unnecessary trouble and interference in the processing of loans, they may restrict the telephone contact of loan clients to avoid unnecessary calls and interference, and clients do not encourage calls until the bank refuses。

3. Administrative concerns

Finally, banks tend to be subject to many administrative pressures when dealing with a large number of loan applications and client expectations, and a range of measures may be taken to ensure a balanced and smooth workload. This includes limiting telephone access to clients. If banks receive too many callers, this may result in their staff being too busy to handle other policies and processes in a timely manner. Of course, this is not because banks deliberately fail to respond to customers, but because they ensure that other related work is not disrupted。