Your question is based on the assumption that they do reject loans on regular basis. The truth is they don't. They are so willing to blindly grant loans to the

Your question is based on the assumption that they do reject loans on regular basis. The truth is they don't. They are so willing to blindly grant loans to the extent that the total amount lent out by them was found to be several times higher than the legal ceiling set by Chinese laws. The authority had to step in and force it to suspend such irresponsible lending. It was widely reported by various Chinese news outlets back in Jan 2018.