No, Zhongan Small Loan is a platform under Zhongan Insurance, and it officially obtained the Internet small loan license on 20 17120. The shareholders of the company are Tianyi E-commerce Co., Ltd., Zhongan Information Technology Service Co., Ltd. and Hong Kong Best Co., Ltd..
As a licensed Internet small loan company, Zhongan Small Loan is based on the license, leading in technology, innovative and innovative, and realizes the automatic operation of the whole line. At present, it has linked the shareholder platforms of China Telecom and Zhongan Insurance, and relied on the shareholder platform to link multiple head Internet channels. Zhongan Small Loan provides consumer loans to Class C individual customers and operating loans to Class B small and micro enterprise customers. Continue to provide customers with compliant, safe and convenient services.
Two. 15 who are the licensed consumer finance companies?
This question is so broad. Why don't you check the media reports about yourself? There are several well-known ones, but they can't answer all of them: Haier Consumer Finance, Gitzo Consumer Finance, Yin Bei Consumer Finance, Jincheng Consumer Finance, Suning Consumer Finance, Bank of China Consumer Finance, Xingye Consumer Finance, Instant Consumer Finance, Huarong Consumer Finance, China Post Consumer Finance, and Hangzhou Bank Consumer Finance, such as Haier, Gitzo, Yin Bei and Suning.
3. What does licensed consumer finance mean?
Licensed consumer finance means that companies or institutions that operate Internet consumer loans have corresponding licenses, which are legal operations. If the borrower fails to repay the loan within the time limit, it will lead to penalty interest. The longer the time, the more penalty interest will be generated, and the greater the burden of subsequent repayment.
After the user loans overdue, the platform will collect the payment. The common collection method is to call the borrower and will always urge the user to return it. Pay attention to the credit center. After individuals become bad in the west, it will affect the handling of various loans, such as car loans or mortgages.
After the loan with credit information is returned, this overdue record will automatically disappear after 5 years. If it is not returned, this record will always be recorded in the credit report. In fact, users can't pay back the money on time, and they can pay it back to them later.
Users can compare different platforms when borrowing, so as to know which platform charges low interest, and then choose the platform with low interest to borrow, which is conducive to the return of subsequent loans. If users can borrow money from friends around them when they borrow it, they can pay them back later.
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Consumer financial institutions have such business licenses, and we. A financial institution is legal if it has a license. However, some small loan companies operate without a license. Users apply for loans in such small loan companies, and personal equity finance has a cooperative relationship with the central bank. The loan records will be collected at the meeting, so there will be no interest.
Licensed online small loan means that the company has relevant licenses and permits and can provide loan services to users through the Internet. Loan services include mortgage loans and consumer loans. Such a platform is a formal platform because it holds a license. After borrowing from such a platform, it must be based on the situation of the period. When borrowing money from a formal network platform, different platforms give different credit lines and loan interest rates. In this case, choosing a loan with low interest rate and less interest is conducive to the subsequent repayment of arrears and will not be overdue.
It should be noted that overdue loans on formal platforms will generate penalty interest. The longer the time, the overdue record of penalty interest will be uploaded to the credit information center, which will affect the subsequent handling of various loans, such as car loans or continuing to borrow on the platform.
On the network platform, if the user's loan amount is relatively high, it is best to apply for a loan through the bank at this time, but for a long time, it is determined by the actual situation of urgent need for money.
Four. List of licensed online small loan companies
The list is as follows: Chongqing Liangjiang New Area Shengji Co., Ltd., Chongqing JD.COM Tongying Co., Ltd., Chongqing Jinan Co., Ltd., Chongqing Ant Shangcheng Co., Ltd., Chongqing Xiaomi Co., Ltd., Chongqing Baidu Co., Ltd., Chongqing Xiaoyudian Co., Ltd., Chongqing Zhongwang Co., Ltd., Chongqing Fun Belt Co., Ltd., Chongqing Yonghui Co., Ltd., Jiangxi Jinghengyuan Co., Ltd. Fuzhou High-tech Zone Fun Staging Co., Ltd., Ganzhou Happy Life Network Nanchang Honggutan New Area Boneng Co., Ltd., Ganzhou Building Block Co., Ltd., Fuzhou Aiying Pratt & Whitney Network Co., Ltd., Ji 'an Staging Music Network Co., Ltd., Jiujiang Yunke Network Co., Ltd., Fuzhou Micro-goods Network Co., Ltd., Fuzhou Enniu Network Co., Ltd., Guangzhou Ping An Good Loan Co., Ltd., Zhuhai Hengqin Ping An Advance Co., Ltd., Guangzhou TCL Internet Company, According to the registered capital of 46 online small loan companies that have completed capital increase since 20 18, over 65% of the sample companies have registered capital of 500 million yuan or more. 2. From the perspective of specific companies, most of them are online small loan companies mainly engaged in online personal small loans, mostly Internet giants such as Ant Financial, Baidu, Suning and Meituan, or powerful offline traditional enterprises such as Poly and WTO. Among them, Chongqing Ant Micro Co., Ltd. has increased its capital twice in the past two years, and now it has increased its capital to 654.38+02 billion yuan, making it the network small loan company with the highest registered capital.