從今年9月份開(kāi)始豆同，貸款類APP在iOS的上架問(wèn)題一直困擾著很多行業(yè)公司的產(chǎn)品、運(yùn)營(yíng)及技術(shù)的小伙伴含鳞。當(dāng)然影锈，這并不是我本人首次遇到這個(gè)問(wèn)題。
對(duì)于蘋(píng)果來(lái)說(shuō)蝉绷，對(duì)iOS上架卡的嚴(yán)鸭廷，主要有兩個(gè)原因，一個(gè)就是影響用戶體驗(yàn)熔吗，影響正常的iOS流量分發(fā)辆床，一個(gè)就是政策原因。大部分馬甲包的上架難桅狠，無(wú)疑就是第一種所致讼载。貸款類、理財(cái)類垂攘、彩票類的APP上架维雇，主要都是政策原因?qū)е隆?br>
那么對(duì)于這一類政策原因?qū)е碌纳霞茈y，主要的解決方案有兩種晒他，一個(gè)是做假頁(yè)面方案吱型，混淆審核人員的視聽(tīng)，以圖上架成功陨仅，但是假頁(yè)面方案一定要做的夠精致津滞、功能稍微多點(diǎn)铝侵，不然容易遇到4.2條款被拒，也就是最小功能條款触徐。另一種就是用有資質(zhì)的賬號(hào)上咪鲜，要具備相應(yīng)的經(jīng)營(yíng)范圍及金融資質(zhì)。
現(xiàn)在講講第二種方案撞鹉，以貸款類APP的上架為例疟丙。一開(kāi)始是PLA1.2的條款，到了19大之后鸟雏，變成了5.2.1條款享郊，再到12月1號(hào)監(jiān)管新規(guī)之后，就變成了3.2.1條款孝鹊。
先看看3.2.1條款的內(nèi)容：
Guideline 3.2.1 - Business - Other Business Model Issues- Acceptable
We also found that your app facilitates loanapplications, but the seller and company names associated with your app do notreflect the financial institution in the app or its metadata, as required byGuideline 3.2.1(vii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, pleaseprovide the following information. The more information you can provideupfront, the sooner we can complete your review.
- Both a copy and the direct link to the government website of your Business License that verifies the authorization from the Internet Loan Information Agency (營(yíng)業(yè)執(zhí)照炊琉，營(yíng)業(yè)范圍證明其是網(wǎng)絡(luò)借貸信息中介結(jié)構(gòu)).
- A copy of your Finance Permit issued from the local finance governing authority (金融許可證).
- A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (從當(dāng)?shù)毓ば挪揩@得的增值電信業(yè)務(wù)經(jīng)營(yíng)許可證).
4.Your app’s and service’s Terms & Conditions. - In the case of dispute, what resolution mechanism doesyour app and service offer?
- What is your responsibility in such case? Is suchresponsibility stated clearly in the Terms & Conditions?
- How will the involved parties trace one another?
Additionally, please ensure your app’s Support andPrivacy URLs in the metadata direct users to the webpages with appropriateinformation.
Once you reply to this message in Resolution Center with the requested information, we can proceed with your review.
從條款的內(nèi)容，可以看到又活，貸款類APP的上架苔咪，如果想不做大的改動(dòng)上架的話，要么用有資質(zhì)的賬號(hào)柳骄，要么碰運(yùn)氣团赏，畢竟蘋(píng)果審核人員有時(shí)候?qū)徍司褪沁@么任性。
有資質(zhì)的賬號(hào)夹界，一定要具備經(jīng)營(yíng)范圍（營(yíng)業(yè)執(zhí)照）馆里、金融許可證以及ICP證，同時(shí)在上架的時(shí)候上傳在附件里可柿，給審核人員審核的時(shí)候看鸠踪。
有資質(zhì)的賬號(hào)，這個(gè)條件复斥，對(duì)于很多公司來(lái)說(shuō)营密，都是不具備的。對(duì)于這部分的小伙伴目锭，只能是找具備這個(gè)條件的朋友公司借用有資質(zhì)的賬號(hào)來(lái)解決评汰，讓對(duì)方幫忙代上架，或者讓對(duì)方把自己的開(kāi)發(fā)者賬號(hào)添加到對(duì)方的開(kāi)發(fā)者賬號(hào)下痢虹，提交審核被去，等上架成功后，再轉(zhuǎn)到自己的開(kāi)發(fā)者賬號(hào)下奖唯。
其他類型的金融類APP惨缆，或者有其他的上架解決方案，但成功率最有保障的，始終是資質(zhì)坯墨、資質(zhì)寂汇、資質(zhì)。（轉(zhuǎn)載捣染，記錄一下）
