Which bank has credit loans

Every bank has its own credit loan products.

1. Quick loan from China Construction Bank

The personal credit loan products of China Construction Bank are mainly "quick loans". China Construction Bank's fast loan can provide you with a credit of up to 5 million yuan, mainly online application, and the scope of use covers cash withdrawal, shopping and so on.

2. ICBC's financing e-loan

ICBC's financing e-loan can rank second in the latest top ten bank credit loan rankings. ICBC can provide loans as low as 6 yuan and as high as 8, yuan with a service life of up to 5 years.

3. E-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 loanable amount can reach 3, yuan, which can be repaid as you borrow it, and the next payment speed is also very fast.

4. BOC e-loan from China Bank

BOC e-loan is an online loan product of China Bank, which can be applied through the Internet in the whole process, with a loan amount of 3, yuan and a service life of 12 months.

5. Bank of Communications enjoys loans

Bank of Communications enjoys loans and can rank fifth in the top ten bank credit loan rankings. 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 Consumer Micro-loan

Minsheng Bank Consumer Micro-loan is a series of loan products launched by Minsheng Bank. You can rely on your own social security and payroll. Apply for credit loans, such as tax bills.

7. CITIC Bank's second-time loan

CITIC Bank's second-time loan ranks seventh in the latest top ten bank credit loan rankings. CITIC Bank Credit Seconds can provide loans of up to 3, yuan to eligible customers, with a loan period as short as one month and as long as 12 months.

8. Pudong Development Bank's Puyin Point Loan

Pudong Development Bank's Puyin Point Loan can provide loans of up to 3, yuan for people aged 18-6, and the processing process only takes about 3-5 minutes.

9. Agricultural Bank Netjet Loan

Agricultural Bank Netjet Loan is mainly for specific customers, and you need to apply for a mortgage at Agricultural Bank. However, with the characteristics of online application, quick approval and loan repayment, the Agricultural Bank of China Netjet ranked ninth in the top ten banks' credit loan list.

1. Everbright Bank's follow-up loan

Everbright Bank's follow-up loan 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 banks can provide credit loans?

Banks that can apply for credit loans:

1. Industrial and Commercial Bank of China: ICBC's e-loan service supports personal credit loans, and there is no need for guarantee or mortgage when making loans. The maximum amount of loans an individual can apply for is 2,.

2. China Construction Bank: China Construction Bank has two credit loan products, namely Express E Loan and Car E Loan. The loan amount of the two credit loan products is determined according to the applicant's personal loan qualification.

3. Agricultural Bank: Agricultural Bank provides credit loan services to customers who pay the housing accumulation fund on time, with a maximum credit loan of 3, yuan.

which banks have credit loans

There are many formal bank credit loans:

1. ICBC's e-lending. 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. A new loan 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 and unsecured loan from the bank to China merchants.

1. 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 lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

second, the risk of micro-credit review

The risk of loan often begins at the stage of loan review. What happened in the comprehensive judicial practice can be seen that the risks in the stage of loan review mainly appear in the following links.

1. The contents of the review left out the bank's loan examiners, causing credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects.

2. In practice, some commercial banks don't have due diligence, and the loan examiners often only pay attention to the identification of documents and lack 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 the bank's failure to listen to experts' opinions on relevant contents, or by professionals' professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on the relevant facts in legal and financial aspects. In practice, most of the loan review processes are not very rigorous and in place.

Third, the legal content of the pre-loan investigation

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

2. regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for the loan; Review whether there is any obvious 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 deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (if it is a company) exceeds 5% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

4. About the burden