There are many formal bank credit loans:

1. ICBC's e-loan. Credit business conducted by users with debit cards and credit cards when spending.

2. CCB's fast loan. Including: fast e-loan, financing e-loan, pledge loan, car e-loan and wo e-loan

3. New loans from Ping An Bank. Unsecured loans for personal consumption by people with stable working income.

4. China Merchants Bank's lightning loan. It is a pure credit unsecured loan from the bank to China Merchants.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the risk review of microfinance

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

1. The content of the review omits the loan examiner of the bank, which leads to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risks.

3. Many wrong judgments are caused by banks not listening to experts' opinions or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Third, the legal content of the pre-loan investigation

1. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

2. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

3. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

4. About the burden

Which bank can lend on credit?

China Merchants Bank. Personal consumption credit loan business refers to the loan business issued to natural persons who meet the conditions of our bank without providing guarantee. Loan amount: the minimum credit loan amount is 50,000 yuan, the maximum loan amount is not more than 3 million yuan, and the maximum loan amount for private drilling customers is not more than 5 million yuan. At the same time, we must meet the requirements of each specific product. The maximum loan/credit line is 6,543,800 yuan. At the same time, it shall not exceed 24 times of the monthly income that the borrower can clearly identify, or 30% of the family net assets after the customer's conversion. If the customer has applied for personal consumption loan through credit in our bank, the existing credit line will be deducted on the basis of the above-mentioned credit line. The longest term of loan and credit line shall not exceed 5 years, and the longest term of single loan or credit line shall not exceed 3 years. Loan interest rate The loan interest rate shall not be less than 0.9 times of the benchmark interest rate.

Which bank lends money quickly for personal credit?

Banks with fast loans are:

1. China Guangfa Bank. Guangfa e-second loan under Guangfa Bank is a pure credit loan product. For office workers with good personal credit, it is relatively easy to apply. Generally, as long as their personal qualifications meet the requirements, the approval results will be issued within 1 working day at the earliest.

Second, Shanghai Pudong Development Bank. Generally, as long as the borrower holds the debit card or credit card of Shanghai Pudong Development Bank, he can try to apply for credit loan products such as bank loan, universal fund and elite loan. Usually, as long as users have good personal qualifications and stable income, they can apply.

Third, Minsheng Bank. Personal credit loan products under Minsheng Bank can be approved within 10 working days as long as users can provide stable work certificates, income certificates and good personal credit.

4. Ping An Bank. Ping An Bank's new loan is also an online credit loan product. As long as the user's personal credit is good and has a certain repayment ability, the audit is also faster.

Generally speaking, the loan approval of joint-stock banks is relatively lower than that of the four major banks, and the speed is relatively faster.

Which bank has a credit loan

Every bank has its own credit loan products.

1, fast loan from China Construction Bank

CCB's personal credit loan products are mainly "quick loans". China Construction Bank's fast loan can provide you with up to 5 million credits, mainly for online application, covering cash withdrawal, shopping and so on.

2. China Industrial and Commercial Bank's margin financing and securities lending.

China Industrial and Commercial Bank of China can rank second in the latest top ten bank credit loan rankings. ICBC can provide loans as low as 600 yuan and as high as 800,000 yuan, with a service life of up to 5 years.

3. Electronic loan of China Merchants Bank

E-loan of China Merchants Bank is a bank credit loan product specially provided for credit card users of China Merchants Bank. The loan amount can reach 300,000, which can be repaid with the loan, and the next payment speed is also very fast.

4. China Bank Easy Loan

Bank of China E-loan is an online loan product of China Bank. You can apply through the internet for the whole process, with a loan amount of 300,000 yuan and a service life of 12 months.

5. Bank of Communications enjoys loans.

Bank of Communications can enjoy loans, ranking fifth among the top ten banks in terms of credit loans. Bank of Communications enjoys a pure credit loan, the amount of which depends on the borrower's situation, and the repayment period is between 3-24 installments.

6. Minsheng Bank consumes small loans.

Minsheng Bank's consumer microfinance is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary. Apply for credit loans, such as tax bills.

7. Letter from China CITIC Bank-Second Loan

CITIC Bank ranks seventh in the latest top ten bank credit loan rankings. CITIC Bank can provide qualified customers with loans of up to 300,000 yuan, with the loan term as short as 1 month and as long as 12 months.

8. Puyin integral loan of Shanghai Pudong Development Bank

Pudong Development Bank Puyin Integral Loan can provide loans of up to 300,000 yuan for people aged 18-60, and the processing process only takes about 3-5 minutes.

9. Agricultural Bank's online loan

Agricultural Bank's online loan is mainly aimed at specific customers, so you need to apply for a mortgage at Agricultural Bank. However, with the characteristics of online application, quick approval and quick repayment, ABC NetJet ranks ninth in the top ten bank credit loan rankings.

10, China Everbright Bank lends money at will.

Everbright Bank is currently at the bottom of the latest top ten bank credit loan rankings. The service group of China Everbright Bank is 22-55 years old, and borrowers need to buy "personal loan guarantee insurance".

Which bank has the lowest interest on credit loans?

The interest rates of credit loans in big banks are almost the same, and there will be different interest rates according to individual circumstances. The following banks with low credit loan interest rates are for reference:

1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with a low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.

2. Bank of China: China Bank E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing is implemented according to the specific situation of the lender;

3. Agricultural Bank of China: Netjet Credit Loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. The interest rates in different regions are different, and the pricing is different according to the qualifications of lenders.

4. Postal savings loans-privileged customers: personal credit loans issued by Postal Savings Bank, starting from 65,438+0,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, subject to the interface display at the time of application.

Extended data:

1. At present, the benchmark interest rate for RMB loans is:

1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate is 4.35 from 6 months to 1 year (including one year);

2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate is 4.75 for three to five years (including five years); The interest rate for more than five years is 4.90;

Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.

Credit loans, the interest rate is very high, generally rising by 20% or more. The credit loan interest rates of some large banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has a lower interest rate, but it has higher requirements for credit and qualification. The latter requirements will be lower, but they are still much stricter than those of non-bank lending institutions.