which online loans are used for credit reporting

Ping An Pratt & Whitney, Gitzo, Baiqian installment, voluntary payment, ant loan, micro-loan and good-term loan.

At present, China's credit information system is divided into two parts, one is the central bank's credit information system, and the other is the local credit information system, both of which are led by government departments.

in these two credit reporting systems, the central bank's credit reporting system is the main reference. But even the central bank's credit information system is very imperfect, only the credit card and bank loan information of the inquired person.

If we simply make Huabai or JD.COM Baitiao shop by stages, the consumption records will not appear in the personal credit report.

Ali's borrowing information may indeed appear in the personal credit report of the central bank. Alipay officials have also suggested that if it is seriously overdue, this overdue record will be reported to the central bank's credit information system.

If the loan project is used on the Internet and it is seriously overdue, it will appear in the credit report and affect personal records.

There are official credit information systems of the People's Bank of China and private online credit information systems. Most online loans are not on the People's Bank of China, but they are all online credit information systems. One online loan platform has loans or overdue loans, and other platforms can also see them. Then, those who have overdue loans will be blacklisted on the Internet and bear corresponding legal responsibilities.

your overdue behavior seriously affects your handling of other kinds of financial business. Overdue will also affect personal credit. Although it is not clear whether it will be reported to the central bank for credit investigation, it is still risky to fail to repay on time.

for platforms that don't check credit information and don't need credit cards (enjoy low-interest loans), your current overdue will basically have no impact, because they don't look at your credit records, and directly rely on all kinds of information on the mobile phone to make a big data reference to determine your approval and quota.

Online loan:

Provisions on loan agreement

Article 1 of Several Opinions of the Supreme People on People's Trial of Loan Cases: A loan relationship formed by one party against the true meaning by means of fraud, coercion or taking advantage of others' danger shall be deemed invalid.

article 11 of the opinions of the supreme people on people's trial of loan cases: the lender knows that the borrower is borrowing money for illegal activities, and its loan relationship is not protected.

Provisions on providing guarantee for loan:

When a loan contract is concluded in Article 198 of the Contract Law, the lender may require the borrower to provide guarantee. The guarantee shall be in accordance with the Guarantee Law of the People's Republic of China.

What are the online loans for credit reporting?

1.

1. Products of first-tier Internet companies:

online business loans, JD.COM gold bars, micro-credit loans, borrowing money, Baidu money, Suning free payment, Netease small loans, etc.

2. Credit card repayment types of online loans:

Raqqa loan, provincial loan, credit card loan, small win credit card loan, repayment, etc.

3. Products of commercial banks:

Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Suixin Loan (China Bank), etc.

4. Other lending institutions: academic loan, cash loan, second cent, Doudou money, thousands of dollars, cash loan from Xinfu, Zendai Express Loan, Star Money Bag, Anjiapai, Flash Bank, Gitzo, 2345 Loan King, etc.

2. Related contents of credit investigation

1. Credit investigation is a Chinese word, and pinyin means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing services such as credit report, credit evaluation and credit information consultation to help customers judge and control credit risks and carry out credit management activities. From "Zuo Zhuan Zhao Gong Eight Years", "A gentleman's words are faithful and have signs, so his resentment is far greater than his body". Among them, "faithfulness and levy" means that it can be verified that its words are faithful, or that it can solicit and verify credit.

2. Credit investigation records personal credit behaviors in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are often referred to as "credit records". Until 212, there was not a single law and regulation in China's current legal system to provide a direct basis for credit investigation. In October 29, the Legislative Affairs Office of the State Council published the Regulation on Credit Information Management (Draft for Comment) in full, soliciting opinions from all walks of life on the regulation on credit information management.

3. Credit investigation can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. However, China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality, a basic principle of dealing with people.

which lending platforms are used for credit reporting

1. The credit lending under Ant Financial Services

includes lending and online business loans, and some users of Huabai have access to credit reporting.

Second, Gitzo Consumer Finance

has Gitzo Fubao, Gitzo Super Loan, Gitzo Consumer Staging, etc. 3. Ping An Pratt & Whitney.

its subsidiaries include Ping An I Loan, Oxygen Loan and House E Loan.

Third, Weixin Huizhi Finance

has Weixin Card Loan, Doudou Money, Star Money Bag, Leyuehua, Lirenhui and so on.

iv. Immediate Consumer Finance

There are immediate loans, job enjoyment flowers, horse installment, comfortable flowers and so on.

V. 36 Finance

has 36 IOUs, etc.

VI. BOC Consumer Finance

includes Xinyi Loan Micro-loan, BOC Consumer Wallet, Sina Loan, Sina Loan, and Lexiang Loan. Seven, baifubao technology (Baidu wallet)

has Baidu rich flowers, Baidu education staging, Baidu decoration staging and so on.

VIII. Gome

owns American Loan, etc.

IX. China Post Consumer Finance

has China Post wallets and extremely fast loans.

X. JD Finance

owns JD.COM gold bars, etc.

Xi. Qianhai Weizhong Bank

has micro-loans and so on.

XII. Zhaolian Consumer Finance

includes Zhaolian owner loan, Zhaolian consumption installment, good term loan, credit payment, and odd and small flowers.

XIII. Lacarra

owns Lacarra Easy Staging, and Lacarra will pay for you.

XIV. Suning Finance

has Suning's discretionary payment, etc.

XV. Rural credit cooperatives

include Qian Bao and mobile phone loans.

XVI. Huarong Consumer Finance owns credit wallets.

XVII. Beiyin Consumer Finance has resume loans.

1. Bank loans

Undoubtedly, all bank loan records will be uploaded to the credit information system, including consumer loans launched by banks, such as China Merchants Bank's lightning loans.

Second, joint loans

Because small lending institutions have limited self-owned funds, they often lend money together with banking institutions. Because the loan funds include bank funds, such loans will also be reported to the credit bureau.

For example, before the upgrade of Alipay Ant Borrowing, the funds were provided by the small loan institutions under Ant Financial. After the upgrade, a number of banks were introduced to lend jointly. In the loan interface, it can be seen that the lenders include other banks such as Shanghai Pudong Development Bank, and then Ant Borrowing began to collect credit information.

iii. Other loans

Although some loans are not bank loans and there is no joint bank loan, they will still be submitted for credit investigation. Because the number is too large to list one by one, you only need to pay attention to whether the loan contract and agreement at the bottom of the page are authorized to upload the loan record to the People's Bank of China's credit information system before applying for a loan.

What are the online loans for credit reporting?

At present, online loans for credit reporting include Money Flower, Ant Loan, Micro-loan, JD.COM Gold Bar, etc.

Extended materials:

Rich Flower:

Rich Flower APP is a big brand of Baidu credit service, which can meet the capital demand of daily consumption turnover. Pure online application, no mortgage, simple application materials, the fastest 3 seconds to approve, the fastest three minutes to lend money, the highest 2 thousand. A number of product lines have been laid out, including "Money Spend-Full Easy Loan", "Money Spend-Enjoy Loan" and "Money Spend-Short Term Loan". The scenes have covered daily consumption, medical beauty, education, renting and mortgage, etc., and can be accurately matched according to users' borrowing needs to provide users with reliable credit services.

AliPay-Ant Borrowing:

Borrowing is an Alipay loan product, and the loan amount is different according to the user's sesame score. The longest loan period is 12 months, and the daily interest rate of the loan varies from person to person. Most of the daily interest rates are between .3% and .45%, which can be repaid with the loan.

wechat-micro-loan:

after the launch of micro-loan on wechat, many wechat users have been relieved. However, micro-loan is only available to some users. Wechat will review the comprehensive qualifications of users, and only those who meet the requirements can be invited. Users are not supported to apply for micro-loan on their own initiative.

JD.COM-Gold Bar:

Since the listing of JD.COM Gold Bar in March 216, many users in JD.COM have been using it, and the loan amount is relatively high, with a maximum withdrawal amount of 2, yuan. You can also borrow it and pay interest on a daily basis, which is very convenient.

online loan application conditions:

1. online loans will require applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require the applicant's good sesame credit, but different loan products have different standard requirements for sesame credit score. Generally, applicants need to reach about 5% or 6%.

3. Personal credit: Some online loans need to be checked and some don't, but generally speaking, the applicant's personal credit is good.

4. Other conditions: Online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.

of course, different online loan products may have different conditions, and the actual situation is subject to the product page display.

What platforms are there for online credit?

Online credit for credit has the following platforms:

First, money flower: money flower is a credit service product under Baidu, which has always enjoyed a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 2, yuan, and 1, yuan is borrowed from 1.1 yuan with one-year average daily interest. The better the credit, the lower the interest rate.

second, borrowing money: borrowing money is a pure credit loan product launched by AliPay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users, ordinary users can only apply for opening if their sesame score is above 6. According to the sesame score, the loan amount is 1,-3,, the minimum daily interest rate is .2%, and the loan period is 12 periods. It has always been a conscientious loan platform.

3. Return: Shanghai Shuhe Information Technology was established in 215, and returned its products in 216. The major shareholder is Focus Media listed company (stock code: 227), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.

4. Micro-loan: the first Internet bank under the banner of Weizhong Bank Tencent, whose products include micro-loan and micro-car loan, and are committed to providing fast financial services for small businesses and individual consumer groups.

v. Paipai Loan: Paipai Loan was established in 27 as a p2p financial platform listed on new york Stock Exchange. Auction loan products are mainly divided into bulk bid and rainbow bid. At present, we provide users with credit loans with a maximum loan amount of 2,, and the monthly loan interest rate is about 1%. Users can choose appropriate loan products according to their own needs.

what are the online loans for credit reporting at the meeting?

In fact, it is more convenient to find a loan platform than a bank. First of all, these online loan platforms are not as strict as the bank's audit. Secondly, some online loans will not be easily credited if they are accidentally overdue. So what online loans will be collected at the meeting?

At present, almost all of the larger loan platforms receive credit information, such as Ping An I Loan, installment music, micro-loan, borrowing loan, saving loan, 2345 loan king, etc. If you are not sure whether this online loan platform receives credit information, you can read the loan regulations of this platform carefully or consult customer service. However, now more and more online loans have begun to receive credit information, and the interest rate of online loans with credit information will be lower than that of other loans. As long as they are repaid on time, the impact is actually not great.