CITIC Consumer Finance refers to CITIC Consumer Finance Co., Ltd., the 24th consumer finance company approved by China Banking and Insurance Regulatory Commission. It was established by capital contributions made by three shareholders, namely China CITIC Co., Ltd., CITIC Trust Co., Ltd. and Kingdee Software (China) Co., Ltd., with the establishment date of 2065438+June 2009 12. It is a formal financial institution.
The business scope of CITIC Consumer Finance Co., Ltd. includes: issuing personal consumption loans; Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders; Borrowing from domestic financial institutions; Issuing financial bonds upon approval; Domestic interbank lending; Consulting and agency business related to consumer finance; Acting as an agent to sell insurance products related to consumer loans; Fixed income securities investment business.
China CITIC Co., Ltd. was established on February 27, 20165438, and its registered place is No.6 Xinyuan South Road, Chaoyang District, Beijing. Its business scope includes investment and management of domestic and foreign financial enterprises and related industries such as banks, securities, insurance, trust, asset management, futures, leasing, funds and credit cards.
CITIC Trust Co., Ltd. was established on 1 March, 9881day, and its business scope includes fund trust; Chattel trust; Real estate trust; Securities trust; Other property or property rights trust; Engaged in investment fund business as a promoter of investment funds or fund management companies; Manage corporate assets reorganization, mergers and acquisitions, project financing, corporate wealth management, financial consulting and other businesses.
Is the credit of CITIC Consumer Finance offline? It's gone when it's over.
Offline. Xinjin Loan is the first product independently developed by CITIC Consumer Finance. This company has just been established. It was established in June of 19. Its shareholders are China CITIC Company, CITIC Trust Company and Kingdee Software (China) Company. However, we can't find this product in the market for the time being. Since the release of Xinjin Loan, the test will be promoted within CITIC Group and Kingdee Software in the early stage, and then more office workers from cooperative enterprises will be contacted. Therefore, if you are not an employee of CITIC Group and Kingdee Software, you cannot apply for a credit loan for the time being. The credit of CITIC Consumer Finance is offline, and there is no such software after users finish it.
Which loan software is CITIC Consumer Finance?
The online loan platform is more reliable:
1, Alipay-Ant Borrow
Ant Borrowing is a personal consumption loan product under Alibaba. You can borrow it, and there is no penalty for prepayment. It is very convenient to use. The loan is very fast, and the daily interest rate is between 1.5-65000. The initial interest rate is high, it is used more, the repayment is timely, and there is no overdue record. Interest rates will gradually fall. As long as the sesame score exceeds 600 points, Alipay uses more and the loan is very good.
2. Doudou money
Pure credit loans are only open to non-student users aged 20-50. You need to submit an application form, take photos, upload your ID card, bind your bank card, and complete the authentication. The amount is 3,000-5,000-50,000, and the maximum loan period is 24 months, and the monthly interest rate is 0.65%- 1.79%. The system will automatically review the loan, and the loan will be released on the same day at the earliest.
3. Meituan borrows money
Meituan's online lending platform has attracted much attention since it was launched, and there are still many customers. Meituan's loan can be repaid in 24 installments with a daily interest rate of 0.05%. Meituan's loan does not require high qualifications for borrowers. The borrower is over 20 years old and can have a stable source of work.
I have engaged in bank credit for many years. If I want to apply for 1-20W fund turnover by myself, which online platforms are more formal and easier to apply by myself? On the whole, Baidu (Xiaoman) is a platform with high pass rate. The credit line is the highest and the interest is low. I have a car loan and gave me a credit line of 9.5W, which I recommend to my colleagues as a direct credit line 18W.
If there is a demand for funds, it is suggested that Xiaoman Financial's credit service products have money to spend to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Wealth Management APP (click on the official free quota). The daily interest rate of consumer loans with money is as low as 0.02%, the annualized interest rate is as low as 7.2%, and the maximum repayment is 200,000. The approval speed of Baidu's money is relatively fast, and it can be completed in 30 seconds at the earliest. It usually takes 2-3 working days to review.
References:
Du Xiaoman has money to spend on official website.
Which online loan is BOC Consumer Finance? Understand in one article!
; ? There are many online lending platforms, and it is often difficult to choose loans. When choosing a loan platform, some lenders often see the name of "BOC Consumer Finance" and ask which online loan BOC Consumer Finance is. Here, I would like to introduce the consumer finance of China Bank to you.
People often see the name of BOC consumer finance because it has a strong background and operational ability. Here we will introduce BOC consumer finance from three aspects.
Platform background
BOC Consumer Finance is an online lending platform under the Bank of China, and has a consumer finance license issued by the state. In other words, BOC Consumer Finance is a licensed online lending platform under the four major state-owned banks. In terms of formality and reliability, BOC consumer finance is a leader in the field of online lending.
Its products
There are a large number of loan products in China Bank's consumer finance, such as mortgage loan products, education products and decoration products.
In addition, BOC Consumer Finance also has two independent online lending platforms, namely BOC Consumer Wallet and Credit Easy Loan-Microfinance. Bank of China consumer wallet allows people to spend directly online and offline. Xinyi Loan-Microfinance can provide you with a cash loan of no more than 20,000 yuan.
Loan management
Because BOC consumer finance is a relatively formal online lending platform, it has established contact with the central bank's credit information system. Once you have serious overdue behavior in BOC's consumer finance, it is likely to leave a stain on the central bank's credit information.