Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with other loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a regular big platform, and the security of funds and information is guaranteed, you can use it with confidence.
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I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
Government loans are debt financing.
Yes, it is one of the ways for local governments to borrow money.
Financing platform, that is, the government investment financing platform of major cities in China, referred to as "city investment" for short. Originated from 199 1. At that time, the State Council carried out a new round of government investment and financing system reform, requiring local governments not to be directly responsible for infrastructure construction, but to operate as companies and undertake corresponding government functions; Many of these companies are unprofitable and belong to institutions or wholly state-owned companies. They make profits through government subsidies and belong to special market operators with government nature.
Bank loans to "city investment" companies in this area are financing platform loans.
What is the difference between local government financing platform loans and general corporate loans?
20 10 July 30th
Notice on Implementing the Notice of the State Council on Strengthening the Management of Local Government Financing Platform Companies
FB [20 10] No.412
The finance departments (bureaus) of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning, the development and reform commission, the Shanghai headquarters of the People's Bank of China, branches, business management departments, provincial capital city center branches, sub-provincial city center branches and banking regulatory bureaus:
In order to effectively implement the Notice of the State Council on Strengthening the Management of Local Government Financing Platform Companies (Guo Fa [2065 438+00] 19, hereinafter referred to as the Notice), relevant matters are hereby notified as follows:
First, pay close attention to cleaning up, verifying and properly handling the debts of financing platform companies.
Clearing and verifying the debts of financing platform companies is the premise of standardized management. The financing platform companies included in the scope of this clean-up and verification refer to the economic entities established by local governments, their departments and institutions, and their affiliated institutions. Through financial allocation or injection, as of June 30, 20 10, assets such as land and equity that have the investment and financing function of government public welfare projects and have independent legal personality, including various comprehensive investment companies. Such as construction investment companies, construction development companies, investment development companies, investment holding companies, investment development companies, investment group companies, state-owned assets operation companies, state-owned capital management centers, and industrial investment companies, such as transportation investment companies.
Liquidated and verified debt refers to the debt formed by the financing platform company through direct loan, default, guarantee, repurchase and other credit support as of June 30, 20 10.
After clearing and verifying, the debts of financing platform companies are classified according to the following principles: the debts borrowed by financing platform companies to undertake the construction and operation of public welfare projects and mainly repaid by financial funds; The financing platform company undertakes the construction and operation of public welfare projects, and the project itself has stable operating income, mainly relying on its own income to repay debts; Debt borrowed by financing platform companies to undertake the construction and operation of non-public welfare projects.
The "public welfare projects" in the Notice refer to government investment projects that serve the public interests, are not for profit, and cannot or should not be operated in a market-oriented manner, such as infrastructure projects such as municipal roads and public transportation, as well as public health, basic scientific research, compulsory education and affordable housing projects.
In the notice, "debts borrowed by financing platform companies to undertake public welfare projects and mainly repaid by financial funds" refers to the debts borrowed by financing platform companies to undertake public welfare projects, and it is determined that more than 70% (including 70%) of the repayment funds come from financial funds such as general budget funds, government fund budget income, state-owned capital operating budget income and extra-budgetary income according to the agreement, project nature or relevant policies. The above financial funds do not include the land use right transfer income that has been injected into the financing platform company, the land use right transfer income return obtained by undertaking the construction of government public welfare projects, vehicle tolls and other special fees.
The "project under construction" in the notice refers to the project that has been approved, examined and approved by the relevant investment authorities or put on record in accordance with the relevant regulations and has started construction as of June 30, 20 10. In order to avoid loss and waste and prevent "semi-finished" projects, follow-up funds for projects under construction should be properly arranged. "Unless otherwise stipulated by laws and the State Council, public welfare projects under construction whose repayment source mainly depends on financial funds shall not be financed by financing platform companies" means that public welfare projects under construction are financed in accordance with the Highway Law of People's Republic of China (PRC) and the Notice of the State Council on Strengthening the Management of State-owned Land Assets (Guo Fa [200 1] 15).
The "Prudent Credit Management Regulations" in the Notice refer to the relevant credit policies and management regulations issued by the People's Bank of China and the China Banking Regulatory Commission, as well as the bank's own credit management requirements, such as the Interim Measures for the Management of Fixed Assets Loans (CBRC Order No.2 of 2009), the Interim Measures for the Management of Working Capital Loans (CBRC Order No.20 20 10/0) and project financing.
In the notice, "local governments should clean up and properly dispose of projects that do not meet the above requirements as soon as possible" means that local governments should take measures such as rectification and termination to properly dispose of related projects according to the actual situation and the requirements of national industrial policies, land policies, environmental protection policies, prudent credit management regulations and macro-control policies. Banks may not issue new loans to projects that still do not meet the above requirements after rectification. If the loan risk mitigation measures of financing platform companies are not in place, measures such as full additional mortgage and pledge must be taken in accordance with relevant laws and regulations, otherwise banks cannot add loans.
"Opening each package" in the Notice refers to mapping each loan in the loan package to eligible projects one by one, and identifying the potential risks of the loan package. If there are compliance problems and risk problems, corresponding safety measures should be taken.
The "one-by-one inspection" in the Notice refers to checking the loans of financing platform companies one by one to find out the risks and problems existing in the loans from the aspects of borrowers, guarantors and loan management.
"Re-evaluation" in the Notice refers to the re-evaluation of the compliance and feasibility of the project corresponding to the loan, the effectiveness of the project, the adequacy and sustainability of the repayment source, the reliability of the project funds, the rationality of the project financing demand and the authenticity of the use of the project funds to ensure that the project debt level matches the repayment level.
The "rectification and preservation" in the notice refers to the rectification and preservation measures taken in terms of system construction, project compliance, loan management, operation process, repayment source and mortgage guarantee. For the risks and problems found by self-inspection. Banks shall, in accordance with the principle of "standardized withdrawal and safe separation", manage the loans of financing platform companies with stable operating cash flow, full repayment of loan principal and interest, and in line with the operating nature of general commercial companies. For financing platform companies that have a certain operating cash flow and can partially repay the principal and interest of loans after cleaning up the regulations, banks should take rectification and preservation measures such as supplementing and perfecting contract procedures, adding borrowers and guarantors, and strengthening repayment constraints, and separate loans that meet the loan conditions of general companies from the loans of financing platform companies and incorporate them into the loan management of general companies.
Two. Rules for cleaning up financing platform companies
When cleaning up and standardizing financing platform companies, other financing platform companies with different types of financing functions, including state-owned asset operation companies, state-owned capital operation management centers and other types of financing platform companies established for financing government investment projects (including public welfare projects), which do not undertake specific project construction and project management functions and only have equity relations with their subsidiaries, should also be cleaned up and standardized in accordance with the prescribed principles.
In the notice, "undertaking the financing task of public welfare projects with stable operating income and mainly relying on self-owned income to repay debts" means that the financing platform company borrows money to undertake the financing task of public welfare projects, and more than 70% (including 70%) of the debt repayment funds come from the company's own income. In addition to the operating income of the project itself, the self-operated income of the financing platform company also includes other operating income, such as land transfer income and vehicle tolls that have been injected into the financing platform company.
In the notice, "If local governments really need to set up financing platform companies in the future, they should fully inject capital in strict accordance with relevant laws and regulations, and public welfare assets such as schools, hospitals and parks should not be injected into financing platform companies as capital" refers to the days after July +0 and 20 10 (including July 1 day) in 2065438; "Public welfare assets" refer to assets that serve the public interests and cannot or should not be realized according to relevant laws and regulations, such as schools, hospitals, parks, squares, office buildings of party and government organs and funded institutions, and cannot bring operational income's municipal roads, water conservancy facilities and non-toll pipe network facilities to infrastructure.
Three. Strengthen financing management of financing platform companies and credit management of banking financial institutions.
The financing and guarantee of the financing platform company shall strictly implement the relevant provisions in the Notice. The financing behavior of financing platform companies retained after cleaning up and integration must be standardized. The notice stipulates that "applying for loans from banking financial institutions must be implemented in the project, with the project legal person company as the loan undertaker", which means that the loan funds should be applied to the project itself, and the loan undertaker should be the market subject with independent civil liability. In the Notice, "loans shall not be issued without stable cash flow as the repayment source" means that financing platform companies and banking financial institutions without stable operating cash flow or reliable sources of debt repayment funds shall not issue loans.
Banking financial institutions should strictly regulate credit management and effectively strengthen risk identification and risk management. The project loan review process, procedures and authorized credit of banking financial institutions shall be strictly implemented in accordance with the commercial loan review standards, and credit management conditions shall not be relaxed. The "project" in the Notice that "new loans of financing platform companies should directly correspond to projects and strictly implement the national regulations on project capital" refers to projects that meet the requirements of the first part of the Notice, such as national industrial policies, land policies, environmental protection policies, prudent credit management regulations, and macro-control policies.
Four. Resolutely stop local governments from violating their guarantee commitments.
The "Notice" clarifies that local governments bear limited responsibilities to financing platform companies within the scope of capital contribution, so as to internalize the debt risks of financing platform companies. Since the date of issuance of the Notice, local governments have limited liability for new debts of financing platform companies only to the extent of capital contribution. If the debtor can't repay all the debts, the creditor should also bear the corresponding responsibilities.
In the Notice, "directly or indirectly providing guarantee for the financing platform company" includes but is not limited to the following forms: issuing a letter of guarantee for the financing behavior of the financing platform company; Commitment to provide liquidity support and temporary debt repayment funds when the financing platform company is in debt repayment difficulties; Commitment to bear part of the debt repayment liability when the financing platform company cannot repay the debt; Commitment to incorporate the debt repayment fund arrangement of financing platform companies into the government budget.
Verb (abbreviation of verb) strengthens organizational leadership and ensures the implementation of work.
The financial departments of the people's governments of all provinces (autonomous regions and municipalities) shall, jointly with the development and reform departments, branches of the People's Bank of China and agencies dispatched by the China Banking Regulatory Commission, formulate specific implementation plans, establish coordination mechanisms, equip full-time personnel, and strengthen the guidance and supervision of this work.
The financial departments of the people's governments of all provinces (autonomous regions and municipalities) shall submit the report on debt clearance and verification of local government financing platform companies to the Ministry of Finance before 20 10, and send a copy to the Development and Reform Commission, the People's Bank of China and the China Banking Regulatory Commission. The report shall be signed and sealed by the responsible persons of the people's governments of all provinces (autonomous regions and municipalities), including the following contents: the organization and implementation of debt clearing and verification of financing platform companies; Debt verification (including total debt, classification and grading, etc.). ); Special matters and explanations; Problems and policy suggestions, etc.
The Report on Strengthening the Management of Local Government Financing Platform Companies submitted by the people's governments of provinces (autonomous regions and municipalities) to the State Council before 201kloc-0/231according to the requirements of the Notice shall be signed and sealed by the heads of the people's governments of provinces (autonomous regions and municipalities), including the following contents: organization and implementation. Total debt, classification and grading, etc. ; Follow-up funding arrangements for projects under construction; Specific measures and effects of standardized management; Special matters and explanations; Problems and policy suggestions, etc.
Development and Reform Commission of Ministry of Finance China People's Bank China Banking Regulatory Commission
Excuse me: What are the restrictive policies for bank loans on government financing platforms?
Basically, it is implemented in accordance with the relevant regulations of the China Banking Regulatory Commission and the Ministry of Finance. You can search a lot online. Generally speaking, the old ones are kept in cages, which can only be recycled and cannot be newly developed. It is required to gradually increase reliable collateral and reduce bank risks; New loans must be handled in accordance with general enterprise loans, the project must have reliable operating cash flow, and the term cannot be too long. The borrowers, users and repayment subjects are not allowed to be inconsistent, and the government's invalid guarantee, problem mortgage guarantee and government and finance are not allowed to do everything.
What are the financing regulations of state-owned enterprises?
First, the overall financing of state-owned enterprises requires state-owned financial enterprises to strictly implement the budget law and the State Council's Opinions on Strengthening Local Government Debt Management (Guo Fa [2014] No.43) and other requirements. Except for purchasing local government bonds, it is not allowed to provide any form of financing for local governments and their departments directly or through indirect channels such as local state-owned enterprises and institutions, and it is not allowed to increase loans for local government financing platform companies in violation of regulations. Local governments may not be required to provide guarantees or assume debt repayment responsibilities in violation of laws and regulations. Debt funds shall not be provided as capital to local construction projects, government investment funds or government and social capital cooperation (PPP) projects. Two. Capital review of state-owned enterprises When state-owned financial enterprises provide financing to state-owned enterprises (including local government financing platform companies) or PPP projects involved in local construction, they should strengthen capital review in accordance with the "breakthrough principle" to ensure that the capital sources of financing entities are legal and compliant, and the financing projects meet the prescribed capital ratio requirements. If it is found that there are debt funds such as "real debts of famous stocks", shareholders' loans and loan funds, or illegal or false capital contributions in the form of public welfare assets and land reserves, state-owned financial enterprises may not provide financing to them. Three. Assessing the repayment ability of state-owned enterprises When participating in local construction financing, state-owned financial enterprises should carefully assess the repayment ability and repayment sources of financing subjects, ensure that their own operating cash flow can cover the principal and interest of the debts that should be repaid, and must not in any way ask or accept the local government and its departments to provide guarantees, promise to buy back the investment principal, protect the capital and income, or assume debt repayment responsibilities in other ways in violation of regulations. If the cash flow of the project involves financial arrangements such as feasibility gap subsidies, government payments and financial subsidies, the state-owned financial enterprises shall strictly check the compliance and integrity of local governments in fulfilling relevant procedures. It is forbidden for state-owned financial enterprises to fictionalize or exceed their authority and financial resources to provide financing to accounts payable (receivable) agreements reached by local governments. Four. Asset management business of state-owned enterprises When state-owned financial enterprises issue asset management products such as bank wealth management, trust plans, asset management plans of securities and futures institutions, and insurance infrastructure investment plans to participate in local construction projects, they should earnestly strengthen the management of capital investment in accordance with the "breakthrough principle", fully grasp the information of the underlying basic assets, and strengthen the term matching. It is not allowed to connect with the fund pool products that are issued, operated and priced separately, and it is not allowed to ask or accept local governments to provide all-round arrangements in any way or assume debt repayment responsibilities in other ways. When promoting asset management products, state-owned financial enterprises should fully explain the investment risks, and should not take the implicit risk-free conditions such as local government's commitment to repurchase and guarantee the minimum income as marketing means. Summarize the above financing requirements of state-owned enterprises, and put forward strict requirements for capital audit, operation, repayment ability evaluation and asset management of state-owned enterprises. On the basis of observing the general requirements of laws and regulations, the Provisions on Financing of State-owned Enterprises requires state-owned enterprises to do a good job in the normal operation of enterprises from all aspects of enterprises, meet the financing requirements of enterprises, and do a good job in the basic work for realizing legal, lawful and reasonable financing, ensuring the normal operation of enterprises and maximizing the interests of enterprises.
There are so many loan policies for financing platforms.