Huanbei is a regular platform, so it is true.

1: Huanbei is mainly used for credit card installment, commodity bill installment, living bill installment and rental installment. You can still apply for these installments. When handling these installments, Huanbei uses a lot of cash technology to ensure the borrower's information security.

Two: Huanbei uses online application, and can quickly complete the review and loan. Generally speaking, the entire process will not take more than 24 hours. Therefore, you don’t have to worry that repayment will delay your repayment on time. In addition, Huanbei’s collection methods are relatively formal, with phone collection and SMS collection as the main methods. Huanbei will not use harassment, threats, intimidation and other exposure methods to collect debts like many informal online loans.

One: Loan (electronic IOU credit loan [5]) is simply understood as borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Two: Loan Principles

The "Three Principles" refer to safety, liquidity, and efficiency, which are the fundamental principles of commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks shall take safety, liquidity and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, satisfying customers The need to withdraw deposits at any time;

3. Efficiency is the basis for the bank's continued operations. For example, when issuing long-term loans, the interest rate is higher than that of short-term loans, and the efficiency is good. However, if the loan period is long, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony among the "three natures" so that there will be no problems with loans