In real life, we always need money more or less urgently, and only when we use it do we find that we hate less. When you need money badly and want a loan, you don't know which lending institutions are available. Then I will introduce several lending institutions, hoping to help everyone.
What are the lending institutions?
I. Banks
(1) Commercial banks, which generally only do short-term lending business. The loan period shall not exceed one year.
(2) Village banks mainly provide financial services for local farmers, agriculture and rural economic development.
(3) Policy banks generally give preferential treatment in terms of loan scale, term and interest rate.
Second, the theme of financial companies
(1) auto financing company, which provides financial services and non-bank financial institutions for car buyers and consumers.
(2) Consumer finance companies are non-bank financial institutions that provide loans to individuals for the purpose of consumption.
Third, private lending institutions.
(1) The company does not absorb public deposits, enjoys the property of an independent legal person, and bears civil liability for debts with all its property.
(2) Pawnshops, commonly known as pawn shops, are issued by informal marginal financial institutions.
Four. Non-bank financial institutions
(1) The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.
(2) Insurance companies, loans provided by insurance companies to enterprises.
(3) Finance companies, mostly subsidiaries of commercial banks, mainly absorb deposits and then issue loans.
(4) Trust company is a financial product with variable interest, which is generally affected by the capital demand of investment projects.
The above points are the relevant information of lending institutions summarized for everyone. I believe everyone will have a certain understanding after reading it. No matter which lending institution you choose, you must carefully compare and choose the one that suits you better.
What are the lending institutions? What are the lending institutions?
Lending institutions include various banks (state-owned banks, foreign banks and private banks), companies, guarantee companies, finance companies, financial leasing companies, pawn companies, insurance companies with loan business and professional loan companies. These are all related contents of lending institutions.
Specific introduction of lending institutions
I. Banks:
1. Commercial service banks: Generally, commercial service banks only lend money in a short period of time, and the next payment period does not exceed one year;
2. City banks: mainly because local farmers, agriculture and animal husbandry and agricultural economic development trends provide financial services;
3. Preferential tax policies Banks: Generally, they give preferential treatment in terms of loan operation scale, term and annual interest rate.
Second, the theme financial company:
1. Auto finance investment company: financial and non-bank financial enterprises that buy cars and serve customers for lenders;
2. Consumer credit enterprises: non-bank financial enterprises that provide transactional loans to individuals.
Third, private lending institutions:
1. Small loan enterprise: it does not absorb the savings of the masses, has the assets of an independent legal representative, and bears legal responsibility for its creditor's rights and debts with all its assets;
2. Pawning company: an informal marginal financial enterprise with an alias of pawning and issuing pledged loans.
Four. Non-bank financial institutions:
1. Loan enterprise: A loan enterprise is a limited liability company enterprise fully funded by a regional commercial service bank or a rural cooperative bank;
2. Insurance companies: loans brought by insurance companies;
3. Agency bookkeeping companies: most of them are subsidiaries of commercial service banks, which digest and absorb savings and issue loans;
4. Trust is a financial product with variable loan interest, which is generally affected by the financial requirements of investment.
This article mainly writes about the relevant knowledge points of lending institutions, and the content is for reference only.
What are the top ten formal lending platforms?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
What are the regular loan companies? These people need to know.
When it comes to loans, most people are most worried about being cheated, which is human nature. After all, the purpose of applying for a loan is to solve the problem of using money. If you are cheated in the process, it will be even worse. So be sure to find a formal loan company to apply for a loan. So, what are the regular loan companies? You can have a look below.
What are the regular loan companies?
1, banking institution
Formal commercial banks were established after being examined and approved by the People's Bank of China. They have bank licenses, which can absorb public deposits and provide loans at the same time. Private banks also need to obtain the approval of China Banking Regulatory Commission and issue financial licenses before they can formally start their business.
For example, ICBC e-loan, Agricultural Bank e-loan, China Construction Bank express loan, Bank of China e-loan, Weizhong Bank micro-loan, online merchant bank online merchant loan, etc. These are personal credit loan products launched by regular banks.
2. Consumer finance companies
It is a non-bank financial institution approved by China Banking and Insurance Regulatory Commission, and holds a formal license. It carries out loan business with its own funds and does not absorb public deposits. Generally, the registered capital is as high as several hundred million yuan, and the maximum amount of consumer loans granted to individuals is no more than 200,000 yuan.
For example, the good-term loan of Zhaolian Consumer Finance Company, the revolving loan of China Post Consumer Finance Company, the new easy loan of BOC Consumer Finance, the instant easy loan of consumer finance, and the consumer loan of Gitzo Consumer Finance. The products launched by these formal consumer finance companies can be properly looked at.
3. Regular companies
In other words, a limited liability company or a joint stock limited company operating business is wholly owned by a legal person or invested by other natural persons and social organizations. The registered capital is generally smaller than that of consumer finance companies, and it does not absorb public deposits, which requires the supervision and management of relevant departments according to law.
For example, JD.COM white bars, gold bars and other credit products launched by Du Xiaoman Financial Company and Jingdong Financial Technology Company are relatively formal loans.
The above is about "What are the regular loan companies?" I hope I can help you.