这个问题在19大之前是PLA1.2, 19大之后变成了5.2.1，最近变成了3.2.1 （2018-1-3）
无数个被拒的夜晚下总结出来的经验, 一个人跟苹果审核团队斗智斗勇, 最快一次从提交审核到审核通过11分钟, 希望能帮到大家. 以下总结一些重要的过审信息.
借贷类，贷款超市类请直接参照我另一篇文章：http://www.jianshu.com/p/e87d8e87d240 (2017-11-24)
理财类3.2.1被拒：http://www.jianshu.com/p/4f8b49fcabca（2018-2-22）
4.3或者马甲包的请直接参照我这篇文章：http://www.jianshu.com/p/29507a331ff2（2017-12-5）
第一次提交审核被拒第二次就被无限延时的解决方案：http://www.jianshu.com/p/3cc8ba0fcbb7（2017-12-14）
没有资质还想上架的参考这篇文章，适用于任何app，方法比较极端，慎点：http://www.jianshu.com/p/95d650e5ec77（2017-12-13）
如果文中没提到的，可以邮件或者私信我，看到会第一时间回复
进入主题，先贴一下被拒回复
1.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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2.A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3.A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
1.2.3提供相应的文件即可，剩下的4.5.6.7...根据你们app的具体情况回答就行了。1.2.3是最重要的部分，后面的只要回答了就行，没有那么的重要，不用考虑太多，按照字面意思回答就行。
Guideline 5.2.1 - Legal - Intellectual Property
The seller and company names associated with your app do not reflect the name of the responsible institution in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.Next StepsYour app must be published under a seller name and company name that reflects the name of the responsible institution. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
逐句分析
The seller and company names associated with your app do not reflect the name of the responsible institution in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.Next StepsYour app must be published under a seller name and company name that reflects the name of the responsible institution.这句话的意思就是说你这个公司性质不能发布这app,举个栗子：理财类的app必须要金融理财类的账号下面发布，医疗类的app必须在医疗机构（医院）下发布，借贷类app必须在经营范围有放贷资质的公司下发布．彩票类必须要相应有发行彩票机构的账号下上架（2017-12-1）
医疗类的app必须在医院类的开发者账号下发布，彩票类的app必须在有发行彩票资质的公司下发布，这两个都不难理解。主要是理财类的，开发者账号的公司经营范围需要有资产管理，代客理财相应的经营范围，再加上金融许可证，这是必过的方法。因为审核是人审的，所以没有资质过的也很正常，属于漏网之鱼，但是有这些资质的是一定能过的（2017-12-6）
If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.Once created, you cannot change your seller name or company name in iTunes Connect.这句话的意思并不是说把你这个没资质的公司加到一个有资质的公司下面，而是把你个人的Apple ID加在一个有资质的公司下面（具体资质看你的app类型），你是作为这个公司的一个开发者，然后你就能用这个有资质的公司作为主体提交app审核，最后提交app的还是这个有资质的公司，跟你那个没资质的公司没有任何关系，app里面只能显示这个有资质的公司名字，这其实跟你用那个有资质的公司提交没什么区别，只是把你作为开发者加进来，权限没有主账号的权限高．（2017-11-24）
为什么苹果会这么说，这是在你拿不到这个有资质的账号的密码的情况下才需要这么做，因为很多公司跟有资质的公司只是存在合作关系,并不一定能拿到有资质的公司的开发者账号密码, 如果你能拿到这个有资质的开发者账号密码，那么你就直接用有资质的账号提交，可以忽略苹果的这句话.（2017-11-24）
For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.这句话的意思是就是教你如何去改名字．如果你的公司从一个没资质的公司辩称有资质的公司，可能需要改名字．举个栗子：你要发布借贷类app, 可能你现在的公司名字叫做某某科技公司，如果你把这个公司改成了一个小额贷款公司，公司名字也进行了更换，那么你就需要在iTunes Connect里面把你的公司名字进行变更．（2017-11-24）
下面总结大部分可能被拒的情况：
1.app内部以及技术支持网址不能出现任何第三方公司名字，只能出现这个账号的公司名字，银行名字都不行，切记！（2017-11-24）
2.金融机构, 类似于贷款类的app一定要用公司开发者账号.(很重要)
3.在itunes connect中,app描述里面加上: "app名字"属于你们公司的.(这一点, 很重要)
4.技术支持是公司网站主页 (2017-6-13)
5.今晚又被拒了一次, 苹果给了下面这张图. 理由也是PLA1.2，我开始也一头雾水，后来静下来想想是这个Banner的文案有问题，因为我们并没有免息, 只是给了优惠券. 后来把这个Banner下了，晚上四点钟的时候重新提交，加急审核，早上就过了 (2017-7-3)
6.仔细查看被拒的每一条信息, 正常被拒5次以上还没上线成功就不要再提交了, 除非你有十足的把握, 不然很有可能被延时审核, 有时候被拒信息会有提示你再发被拒的话就会被延时审核, 有些时候是发在你的邮箱, 延时最多的我见过一个月的, 就是说你下次提交到审核需要一个月的时间, 所以奉劝大家多次被拒之后没有十足把握就不要再次提交 (2017-7-25)
7.最近有很多应用第一次没过, 第二次提交就会被无限延期,所以提交之前一定要仔细审查app。（2017-11-24）
8.如果你之前在没有资质的账号提交过, 苹果拒绝之后才用的有资质的账号提交, 如果没资质的账号不作处理就用有资质的账号直接提交, 有资质的账号基本都会报4.3. 需要在没资质的账号做一下处理, ios端新建一个应用, 直接用之前提交过的bundle Id打包，logo用一个纯白或者纯黑的图片, 将这个新建的应用提交到应用市场, 构建版本中将之前被拒的包移除, 用这个新的应用顶替之前被拒的包, app名字改成 “作废-此应用不再提交” 后面再随便加一个数次, 因为这个名字别人已经用过了, app描述跟app名字一样, 剩下的信息全部删除.点击保存即可，不用提交审核
9.审核期间app内部不能出现任何第三方的名字, 记住是任何第三方! 银行也不行!举一个例子, 某某银行多少点在维护, 这样的文案都不行!(2017-11-9)
任何一个被拒都是有原因的, 仔细再仔细
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网友评论
2018年4月9日 上午1:32
发件人 Apple
3. 2.1 Business: Other Business Model Issues - Acceptable
Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介机构).
2. Both a copy and the direct link to the government website of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
8. License numbers for the Business License, Finance Permit, and Value Added Telecom Permit in the Review Notes section.
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. Both a copy and the direct link to the government website of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Guideline 2.1 - Information Needed
This type of app has been identified as one that may violate one or more of the following App Store Review Guidelines. Specifically, these types of apps often:
1.1.6 - Include false information, features, or misleading metadata.
2.3.0 - Undergo significant concept changes after approval
2.3.1 - Have hidden or undocumented features, including hidden "switches" that redirect to a gambling or lottery website
3.1.1 - Use payment mechanisms other than in-app purchase to unlock features or functionality in the app
4.3.0 - Are a duplicate of another app or are conspicuously similar to another app
5.2.1 - Were not submitted by the legal entity that owns and is responsible for offering any services provided by the app
5.3.4 - Do not have the necessary licensing and permissions for all the locations where the app is used
Before we can continue with our review, please confirm that this app does not violate any of the above guidelines. You may reply to this message in Resolution Center or the App Review Information section in iTunes Connect to verify this app’s compliance.
Given the tendency for apps of this type to violate the aforementioned guidelines, this review will take additional time. If at any time we discover that this app is in violation of these guidelines, the app will be rejected and removed from the App Store, and it may result in the termination of your Apple Developer Program account.
The seller and company names associated with your app do not reflect the name of government agency in the app or its metadata
贴了两张图，然后我把图片上和政府相关的东西都删了，但还是被拒，理由还是这个，这个是什么问题，需要获得什么资质？
想向您咨询几个问题：
1. 您说的有资质是必须三证齐全吗？（营业执照，营业范围证明其是网络借贷信息中介结构）、（金融许可证）、（从当地工信部获得的增值电信业务经营许可证）
但是有几家公司是有金融许可证的啊，这玩意儿国家没有对P2P发放啊
2. 我们公司有营业执照，经营范围也包括投资咨询和经济咨询，其它二证没有，算得上有资质吗？
3. 像我们这用App 还有木有办法上架
你说的资质是指必须三证齐全吗？没有咋办？
只有营业执照，上面写的营业范围包括：投资咨询、经济信息咨询，算得上有资质吗？
苹果的邮件：
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
Please attach documentary evidence in the App Review Information section in iTunes Connect. In accordance with section 3.2(f) of the Apple Developer Program License Agreement, you acknowledge that submitting falsified or fraudulent documentation can result in the termination of your Apple Developer Program account and the removal of your apps from the App Store. Once Legal has reviewed your documentation and confirms its validity, we will proceed with the review of your app.
你说的资质是指必须三证齐全吗？没有咋办？
只有营业执照，上面写的营业范围包括：投资咨询、经济信息咨询，算得上有资质吗？
苹果的邮件：
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
Please attach documentary evidence in the App Review Information section in iTunes Connect. In accordance with section 3.2(f) of the Apple Developer Program License Agreement, you acknowledge that submitting falsified or fraudulent documentation can result in the termination of your Apple Developer Program account and the removal of your apps from the App Store. Once Legal has reviewed your documentation and confirms its validity, we will proceed with the review of your app.
please provide the link to the government website that displays your license.
这个具体指哪些官网地址。 没有ICP许可
苹果对于三级以内的分销是否有明确的限制？
Please point to the portion of the business license that authorizes the services available in your app
The seller and company names associated with your app do not reflect the name “official medical institution” in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
大神也遇到这个问题。。。
医疗项目
公司的运营范围是技术公司。但是我查了一下很多医疗app其实他们也是技术公司上线的，这需要做什么处理呢，
Guideline 5.2.1 - Legal - Intellectual Property
The seller and company names associated with your app do not reflect the name “Medical Institution” in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the Medical Institution name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account. If your client does not yet have an Apple Developer account, they can enroll in the Apple Developer Program through the Apple Developer portal.
Note that submitting documentation showing permission to publish this app on behalf of the content owner or institution will not resolve this issue. This app must be submitted under the content owner’s own Apple Developer account.
To request a fee waiver for nonprofit organizations, accredited educational institutions, or U.S.-based government entities, follow the steps outlined on the Apple Developer Program Membership Fee Waivers page.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
Please attach documentary evidence in the App Review Information section in iTunes Connect. In accordance with section 3.2(f) of the Apple Developer Program License Agreement, you acknowledge that submitting falsified or fraudulent documentation can result in the termination of your Apple Developer Program account and the removal of your apps from the App Store. Once Legal has reviewed your documentation and confirms its validity, we will proceed with the review of your app.
能私聊你吗？qq315930744，谢谢
Guideline 5.2.1 - Legal - Intellectual Property
We found that the seller or company name associated with your app does not reflect the name of the lottery service owner or government entity referenced in your app or its metadata.
The next submission of this app may require a longer review time.
Next Steps
- Review the Intellectual Property section of the App Store Review Guidelines.
- Ensure your app is compliant with all sections of the App Store Review Guidelines and the Terms & Conditions of the Apple Developer Program.
- Once your app is fully compliant, resubmit your app for review.
Submitting apps designed to mislead or harm customers or evade the review process may result in the termination of your Apple Developer Program account. Review the Terms & Conditions of the Apple Developer Program to learn more about our policies regarding termination.
If you believe your app is compliant with the App Store Review Guidelines, you may submit an appeal. Alternatively, you may provide additional details about your app by replying directly to this message
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
2018年1月3日 上午7:37
发件人 Apple
3. 2.1 Business: Other Business Model Issues - Acceptable
Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 3.2.1(vii) of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4. Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
Once you reply to this message in Resolution Center with the requested information, we can proceed with your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4.Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
集团为：AAA
提交APP的账号为：AAA技术公司
内部提供的贷款服务的公司有多个，包括：北京AAA小贷公司、重庆AAA小贷公司、广州AAA小贷公司，这些贷款公司都是金融业务许可的。
Guideline 5.2.1 - Legal - Intellectual Property
The seller and company names associated with your app do not reflect the name of the government institution in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the government institution name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
Guideline 5.2.1 - Legal - Intellectual Property
We found that your app facilitates loan applications, but the seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
To help us proceed with the review of your app, please provide the following information. The more information you can provide upfront, the sooner we can complete your review.
1. 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 (营业执照，营业范围证明其是网络借贷信息中介结构).
2. A copy of your Finance Permit issued from the local finance governing authority (金融许可证).
3. A copy of the Value Added Telecom Business Operation Permit issued by the local Ministry of Information Industry and Technology (从当地工信部获得的增值电信业务经营许可证).
4.Your app’s and service’s Terms & Conditions.
5. In the case of dispute, what resolution mechanism does your app and service offer?
6. What is your responsibility in such case? Is such responsibility stated clearly in the Terms & Conditions?
7. How will the involved parties trace one another?
Additionally, please ensure your app’s Support and Privacy URLs in the metadata direct users to the webpages with appropriate information.
Once you reply to this message in Resolution Center with the requested information, we can proceed with your review.
Next Steps
Your app must be published under a seller name and company name that reflects the name of a medical institution. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
造成的。
我们公司是一个互联网公司，发布的是一个医疗类型的App,这些数据都是我们合作的医院和医疗数据。
现在该怎么解决，给他提供什么执照或证件是不是就可以了？另外我在那个对话框里问了需要什么证件，等了10来天了，也没有收到回复。
在线等，挺急的
The seller and company names associated with your app do not reflect the name “financial institution” in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
这个问题。
We found that the seller or company name associated with your app does not reflect the name of the lottery service owner or government entity referenced in your app or its metadata.
反馈被拒内容：
PLA 1.2
The seller and company names associated with your app do not reflect the name of a government entity in the app or its metadata, as required by section 1.2 of the Apple Developer Program License Agreement.
1、为小微企业提供续贷过桥资金金融服务（依法须经批准的项目，经相关部门批准后方可开展经营活动）
2、投资管理，受托资产管理
3、接受金融机构委托从事金融业务流程外包
4、投资管理（未经金融等监管部门批准，不得从事向公众融资存款，融资担保，代课理财等金融服务）
这几类资质分别在不同的公司主体上。
并且看评论，您说需要金融许可证，不知道是有单独金融许可证就可以了，还是说除了上面的营业执照上的金融营业资质外，还需要金融许可证
The seller and company names associated with your app do not reflect the name “loan lender” in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the loan lender name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
Thank you for resubmitting your app. We have continued the review and would like to provide our findings.
We still find that the seller and company names associated with your app do not reflect the name of financial institution in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution name.
If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
The seller and company names associated with your app do not reflect the name “financial institution” in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
The seller and company names associated with your app do not reflect the name of the medical institution in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Regarding of 5.2.1, since the app provides financial service, the app must be published under a seller name and company name that reflects the official financial institution name.”你们是这个问题吗？怎么解决的？谢谢
PLA 1.2
The seller and company names associated with your app do not reflect the name “financial institution” in the app or its metadata, as required by section 1.2 of the Apple Developer Program License Agreement.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
我的qq499678435，我怎么能私聊你
The seller and company names associated with your app do not reflect the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the app. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
被拒理由：
Guideline 5.2.1 - Legal - Intellectual Property
The seller and company names associated with your app still do not reflect the name of any “financial institution” in the app or its metadata, as required by Guideline 5.2.1 of the App Store Review Guidelines.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution’s name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
The seller and company names associated with your app do not reflect the name of a financial loan provider in the app or its metadata, as required by section 1.2 of the App Store Review Guidelines.
大神能给指导下么。
The seller and company names associated with your app do not reflect the name “financial institution” in the app or its metadata, as required by section 1.2 of the Apple Developer Program License Agreement.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
楼主求帮助，被拒绝2次了，借款类APP/(ㄒoㄒ)/~~
PLA 1.2
The seller and company names associated with your app do not reflect the financial institution in the app or its metadata, as required by section 1.2 of the Apple Developer Program License Agreement.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.
金融贷款平台类被拒求指导
PLA 1.2
The seller and company names associated with your app do not reflect the name “financial institution” in the app or its metadata, as required by section 1.2 of the Apple Developer Program License Agreement.
Next Steps
Your app must be published under a seller name and company name that reflects the financial institution name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.
Once created, you cannot change your seller name or company name in iTunes Connect. For assistance with changing your company name or seller name, you will need to contact iTunes Connect through the Contact Us page. Select Getting Started from the first dropdown menu, then select General iTunes Connect Inquiry to contact the appropriate iTunes Connect team.