Personal consumption loans have the following five points:

1. Interest-free overdraft limit for senior consumption.

When using a credit card for personal consumption loans, it is actually a credit-guaranteed loan. But the consumption within the overdraft limit, that is, the loan, does not need to pay interest. Credit card personal consumption loan has a very long loan term, and it will be repaid in time after overdraft consumption.

Second, enjoy the preferential activities of merchants.

Now, for example, shopping malls, restaurants and cinemas have jointly launched the activity of using credit cards for personal consumption loans to get preferential treatment. You can not only get the discount you need, but also get credit card points after you use the credit card for personal consumption loans, which can be exchanged for bank gifts. Kill two birds with one stone,

Third, it is conducive to improving personal credit records.

Personal consumption loans with credit cards can improve the credit of cardholders, increase the overdraft limit of credit cards and improve future consumption and loans.

Second, what are the advantages of personal consumption loans?

Consumer loans have two characteristics:

First, consumer loans are widely used, but the number of loans is also very high.

Second, the risk of consumer loans is very high, and the income is also very high, which has a certain periodicity, and generally speaking, the rise and fall of interest rates have little impact on consumer loans.

It is worth noting that banks have raised the interest rate of personal consumption loans in consideration of their own financial situation and operating conditions, which makes the interest rate of personal consumption loans mostly rise, among which the fastest rise is personal credit consumption loans. After all, the loan period of personal consumption loans is very short, the loan cycle is not long, and the repayment time is also very fast, so many banks pay more attention to the field of personal consumption loans.

What are the advantages of personal consumption loans?

Consumer loans have two characteristics:

First, consumer loans are widely used, but the number of loans is also very high.

Second, the risk of consumer loans is very high, and the income is also very high, which has a certain periodicity, and generally speaking, the rise and fall of interest rates have little impact on consumer loans.

It is worth noting that banks have raised the interest rate of personal consumption loans in consideration of their own financial situation and operating conditions, which makes the interest rate of personal consumption loans mostly rise, among which the fastest rise is personal credit consumption loans. After all, the loan period of personal consumption loans is very short, the loan cycle is not long, and the repayment time is also very fast, so many banks pay more attention to the field of personal consumption loans.

4. What benefits does e-commerce bring to people?

E-commerce is a new trade mode that relies on modern information technology and network technology, integrates financial electronization, management informationization and business information networking, and aims at achieving the harmony and unity of logistics, capital flow and information flow. Based on the Internet, e-commerce breaks through the traditional concept of time and space, shortens the distance between production, circulation, distribution and consumption, greatly improves the effective transmission and handling of logistics, capital flow and information flow, opens up a fairer, more just, wider and more competitive global market, and provides manufacturers, sellers and consumers with excellent opportunities to better meet their respective needs.

Compared with traditional business activities, e-commerce has the following comparative advantages:

1. Transaction virtualization. Trade through the computer Internet represented by the Internet, from trade negotiation, contract signing to payment, etc. , through the computer Internet, without face to face, the whole transaction is completely virtualized. For sellers, they can apply for a domain name in the network management organization, make their own home page, and sort out product information online. With the development of new technologies such as virtual reality and online chat, buyers can choose advertisements according to their own needs and feed back information to sellers. Through the push-pull interaction of information, electronic contracts are signed, transactions are completed and electronic payments are made. The whole transaction is carried out in the virtual environment of the network. The development of e-commerce has broken the clear organizational boundaries between traditional enterprises, and virtual enterprises have emerged, forming a dynamic alliance of "you have me and I have you", which is manifested in the narrowing of the tangible boundaries of enterprises and the expansion of the intangible boundaries (the common boundaries of virtual enterprises).

2. The transaction cost is low. E-commerce greatly reduces the transaction costs of buyers and sellers. First, the farther the distance, the lower the cost of information transmission on the network than letters, telephones and faxes. In addition, the time is shortened, the repeated data entry is reduced, and the information cost is also reduced. Second, buyers and sellers conduct business activities through the network without the participation of intermediaries, which reduces the related links of the transaction. Third, sellers can introduce and publicize products through the Internet, which avoids a lot of expenses such as advertising and printing in the traditional way. Fourthly, the implementation of "paperless trade" in e-commerce can reduce the cost of document processing by 90%. Fifthly, the Internet enables buyers and sellers to communicate the supply and demand information in real time, making it possible to produce and sell without inventory, thus reducing the inventory cost to zero. Sixth, enterprises can realize paperless office (OA) by using intranet, which improves the efficiency of internal information transmission, saves time and reduces management costs. Through the Internet, the company's headquarters, agents and subsidiaries and branches distributed in other countries are linked together, so as to respond to local market conditions in time, produce and sell in time, reduce inventory costs, and adopt efficient and efficient distribution companies to provide distribution services, thereby reducing product costs. Seventh, the traditional trading platform is ground shops, and the e-commerce trading platform is Internet cafes or offices, which greatly reduces the store rent. According to statistics, using EDI can usually save 5- 10% of the procurement cost for enterprises.

3. The transaction efficiency is high. Because the Internet standardizes commercial messages in trade, commercial messages can be transmitted and automatically processed by computers all over the world in an instant, so that the processes of raw material procurement, product production, demand and sales, bank remittance, insurance, cargo consignment and customs declaration can be completed in the shortest time without manual intervention. In the traditional way of trade, sending information by mail, telephone and fax requires someone to participate, and each link takes a lot of time. Sometimes the transmission time is delayed and the best business opportunity is missed because of the cooperation of personnel and working hours. E-commerce overcomes the shortcomings of traditional trade methods, such as high cost, easy to make mistakes and slow processing speed, which greatly shortens the transaction time and makes the whole transaction very fast and convenient.

4. integration. E-commerce is a new product, in which a large number of new technologies are used, but it does not mean that the appearance of new technologies will definitely lead to the death of old equipment. The real commercial value of the World Wide Web lies in coordinating old and new technologies, so that users can use their existing resources and technologies more effectively and accomplish their tasks more effectively. The integration of e-commerce also lies in the integrity and unity of transaction processing, which can standardize the workflow of transaction processing and integrate manual operation and electronic information processing into an inseparable whole. This can not only improve the utilization rate of manpower and material resources, but also improve the rigor of system operation.

5. coordination. Business activity is a coordinated process, which requires the coordination between employees and customers, producers, suppliers and business partners. In order to improve efficiency, many organizations provide interactive protocols, and e-commerce activities can be carried out on the basis of these protocols. Traditional e-commerce solutions can strengthen the interaction within the company, and e-mail is one of them, but that is only a small part of the function of coordinating employees' cooperation. The use of the World Wide Web to connect suppliers to the management system, and then to customer order processing, and through a supply channel to deal with, so that the company saves time, eliminates the trouble brought by paper documents, and improves efficiency.

E-commerce makes communication and contact between enterprises more convenient, information more open and transparent, and greatly reduces transaction costs between enterprises. In the traditional business operation, the high communication cost, purchase and sale cost and cooperation cost greatly increase the burden on enterprises and become the main factors that hinder the cooperation between enterprises. In this case, enterprises tend to adopt vertical integration strategy to expand their scale, rather than horizontal cooperation, thus reducing transaction costs. With the development of e-commerce, enterprises can establish long-term cooperative partnership with major suppliers, organically combine raw material procurement with product manufacturing process, and form an integrated information transmission and information processing system. E-commerce also makes the communication between the two parties more convenient, greatly reduces the communication cost between the two parties, simplifies the business process and saves a lot of time and transmission costs. In addition, through e-commerce, supply chain partners (suppliers, manufacturers, distributors, etc. ) more closely linked, making the "time lag" between commodity production and consumption, supply and demand become "real-time", greatly improving the sales forecast and inventory management, reducing the inventory cost of the whole supply chain and saving the expenses of warehousing, storage and management.

6. Transparency of transactions. The whole transaction process, such as negotiation, signing, payment and delivery notice, is conducted online. Information transmission is smooth and fast, which can ensure that all kinds of information can be checked with each other and prevent the circulation of forged information. Such as in a typical license. System, because the communication and verification between the issuing unit and the verification unit have been strengthened, false certificates are not easy to escape from the network. Customs EDI also helps to put an end to border behaviors such as false export, beating around the bush and defrauding tax refund.

7. Optimize the allocation of social resources. Because it is impossible for all enterprises in an industry to adopt e-commerce at the same time, those enterprises that take the lead in using e-commerce will have advantages in terms of price, output, scale expansion, market share, rule making, etc., while the average cost of enterprises that use or do not use it later may be higher than the average cost of the industry. In this way, social resources such as capital, manpower and material resources will flow from high-cost enterprises to low-cost enterprises, from low-utilization enterprises to high-utilization enterprises and from loss-making enterprises to profit-making enterprises through the joint action of market mechanism and e-commerce, so that social resources can be more rationally and optimally allocated.

8. It is conducive to the seamless connection between the technological innovation activities of enterprises and the market. E-commerce urges small and medium-sized enterprises to update their production technology and improve their market adaptability. The rapid development of Internet provides a quick way for product research and development, and e-commerce has played a positive role in technological innovation and product upgrading of enterprises. Because e-commerce makes new technologies and ideas spread rapidly on the Internet, and provides accurate and timely information for enterprises to develop new products, developers can use the Internet to quickly investigate and understand the latest needs of customers. In the process of developing products, e-commerce is a quick and simple user information feedback tool with a friendly interface, through which decision makers can obtain high-value business information, identify hidden business relationships and grasp future trends. Therefore, they can make more creative and strategic decisions. Developers use the Internet to get market feedback quickly, so as to improve their products at any time to meet the market demand to the greatest extent.

E-commerce also provides innovative conditions for consumers to provide personalized services, which not only improves the welfare level of the whole society, but also provides opportunities for enterprises to increase profits. In the traditional way, people have to go shopping in shopping malls during business hours, which is strongly limited by time and place. The global market of e-commerce is connected by computer networks. The uninterrupted network work makes it a comprehensive market that has nothing to do with region and time. Anyone in the world can do business at any time, anywhere and at any will through computers and the Internet. Enterprises also use the network to track and analyze the preferences, needs and shopping habits of every consumer, and at the same time feed back the needs of consumers to the decision-making level in time, so as to promote the R&D activities carried out by enterprises for consumers, enable enterprises to understand and know customers more thoroughly, better provide personalized services for customers, improve customer satisfaction and loyalty, and increase profits for enterprises.

9. Improve the efficiency of teamwork within the enterprise. Within the enterprise, e-commerce mode can urge the enterprise to break the boundaries between departments, gather relevant personnel and organize cross-functional work according to the market mechanism, thus reducing the management level and the number of managers. It will turn a single decision-making center organization that is easy to form, inefficient, rigid in structure and has communication obstacles into a decentralized multi-center decision-making organization. Because decentralized decision-making can enhance employees' sense of participation and responsibility, improve the scientific and operability of decision-making, and change the autocratic enterprise management mode in which subordinates obey superiors and superiors interfere with subordinates. In management thought, it emphasizes efficiency and agility; In the management system, pay attention to the coordination, cooperation and parallel work of all links; In the organizational function, it emphasizes the coordination, service and innovation of enterprise leaders, and strives to cultivate the team spirit of enterprise employees and enhance the cohesion of enterprises; In terms of management tasks, it emphasizes customer needs as the center.

To sum up, e-commerce is a form of social production and management by using modern computer technology, especially network technology. Its fundamental purpose is to maximize social financing by improving enterprise productivity, reducing operating costs and optimizing resource allocation. In this sense, e-commerce requires the transformation of the production and operation mode of the whole value chain, which is to realize the innovation and transformation of business model by using information technology.