近期折磨着各位金融圈小伙伴们的苦恼事，应该就是苹果爸爸的3.2.1大礼包了吧，近期好多需要上架的客户，都是因为3.2.1被拒，没法通过。
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. 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.
所谓3.2.1被拒，说白了就是缺少金融中介的资质，一般来说有主要有三个：
一、营业执照经营范围的“金融信息服务”或者其他相关金融经营资质；
二、银行存管协议，这个还好，大多数正规公司，都能拿到；
三、icp（当地的电信增值业务许可证），这个基本就是拦路虎了。
我的客户里面基本就是缺icp的，当前政策下，基本办不下来这个证，也就等于，不管怎么提交审核，等着你的都是3.2.1.
那遇到这种情况的小伙伴们怎么办呢，目前只能通过套壳（套壳怎么做看下文），绕过苹果爸爸的审核了，3.2.1被拒已经注定了，不能走正规方法上架，这是现实，至少目前，是现实！
套壳上架，原理说来简单，就是做一套外壳，包裹着你原有的App，变成一个不一样的App，原理很简单吧，各位小伙伴们不妨尝试（虽然99%的人做不出来），最后不成功怎么办，对~找我，看我个人资料有联系方式，理财100%过审。
遇到3.2.1不要跟苹果爸爸死磕了，回复什么的，都是没用的，浪费时间。对于互联网发展来说，时间才是最宝贵的，自己研究也罢，死磕也好，大多是白白浪费几个月时间，团队的人力成本算过么？浪费的时间算过么？尽快找到合适的上架方式，才是正途！
