First of all, why don't lenders appear in Xiaohua wallet transfer? This may be due to technical or system problems. In some cases, network delay, server failure or other technical failure occurred during the transfer process, which caused the system to fail to display the information of lending institutions correctly. Usually, this is only a temporary problem, which does not mean that there are no lenders in fact.
Secondly, under normal circumstances, the loan application can be approved by the first instance, and the funds can be deposited in debit cards or e-wallets. Once the user successfully passes the initial review and confirms the loan acceptance conditions, in most cases, a second review is not needed. Because the preliminary audit has evaluated the user's credit rating, repayment ability and other related information, and has been approved through the loan application.
However, it should be noted that there may be a secondary audit process under some special circumstances. For example, in the case of large loan amount, long loan term or special use of users' funds, the lender may choose to conduct a second audit to ensure stricter risk control and compliance. In this case, the lender may require the user to provide additional supporting documents or conduct a more detailed investigation.
In addition, there is another possibility that the lending institution is not directly displayed in Xiaohua wallet. Some lending institutions cooperate with Xiaohua Wallet to provide loan services through this platform, but the specific information of lending institutions is not displayed during the transfer process. This is mainly to protect users' privacy and prevent information leakage.
To sum up, it is usually only a temporary phenomenon caused by technical problems that the lender is not displayed during the transfer process of Xiaohua wallet, which does not mean that there is no lender in fact. Whether there is a second audit depends on the specific situation and loan policy. Under normal circumstances, after the preliminary examination, you can approve the loan and deposit the funds into the account. If you do encounter problems, it is recommended to contact Xiaohua Wallet Customer Service or related parties for solutions.