Generally, it takes about 15 days to make an appointment for large futures.

Conditions for applying for loan business:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Futures, whose English name is futures, is completely different from spot. Spot is actually a tradable commodity. Futures are mainly not commodities, but standardized tradable contracts based on some popular products such as cotton, soybeans and oil and financial assets such as stocks and bonds. Therefore, the subject matter can be commodities (such as gold, crude oil and agricultural products) or financial instruments.

The delivery date of futures can be one week later, one month later, three months later or even one year later.

A contract or agreement to buy or sell futures is called a futures contract. The place where futures are bought and sold is called the futures market. Investors can invest or speculate in futures.

main feature

The commodity variety, trading unit, contract month, margin, quantity, quality, grade, delivery time and delivery place of futures contracts are all established and standardized, and the only variable is price. The standards of futures contracts are usually designed by futures exchanges and listed by national regulatory agencies.

Futures contracts are concluded under the organization of futures exchanges and have legal effect. Prices are generated through public bidding in the trading hall of the exchanges. Most foreign countries adopt public bidding, while our country adopts computer trading.

The performance of futures contracts is guaranteed by the exchange, and private transactions are not allowed.

Futures contracts can fulfill or cancel their contractual obligations through the settlement of spot or hedging transactions.

condition

Minimum fluctuation price: refers to the minimum fluctuation range of the unit price of futures contracts.

Maximum fluctuation limit of daily price: (also known as price limit) means that the trading price of futures contracts shall not be higher or lower than the prescribed price limit within a trading day, and the quotation exceeding this price limit will be deemed invalid and cannot be traded.

Delivery month of futures contract: refers to the delivery month stipulated in the contract.

Last trading day: refers to the last trading day when a futures contract is traded in the contract delivery month.

Futures contract trading unit "hand": Futures trading must be carried out in an integer multiple of "hand", and the number of commodities contracted in each hand of different trading varieties should be specified in the futures contract of that variety.

Will there be a quota for booking a large loan?

If the appointment of long-term loans by the General Assembly is successful, there will be a credit line. After the user has made an appointment and passed the preliminary examination, then the credit line of Zhaochang Loan can be obtained. With the credit line, users can submit loan applications, and whether they can pass the review depends on the results displayed on the page.

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

Two: The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles.

Third, loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;

Fourth, efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Five. The first stage of risk often begins at the loan review stage. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Legal content of the investigation of intransitive verbs before lending.

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

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear 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 situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Seven. Special examination of borrowers and their responsible persons In order to reduce the moral hazard of lenders, financial institutions should also conduct special examination of borrowers and their responsible persons. In addition to reviewing the qualifications, conditions and operating conditions of borrowers, we should also strengthen the review and control of the personal qualities of investors, legal representatives of enterprises and key management personnel. Including: (1) the chairman, general manager, factory director, manager and other key personnel gamble, take drugs, go whoring, keep mistresses, often go in and out of dance halls and saunas, excessively arrange weddings and funerals, buy luxury cars that are not commensurate with their economic strength, and often rent luxury hotels. Their corporate loans must be strictly controlled.

Is the large loan appointment review successful and stable?

Steady.

If the appointment of long-term loans by the General Assembly is successful, there will be a credit line. After the user has made an appointment and passed the preliminary examination, then the credit line of Zhaochang Loan can be obtained. With the credit line, users can submit loan applications, and whether they can pass the review depends on the results displayed on the page. Moreover, the amount expected by the conference is limited, and users must apply for loans within the validity period.

If the user must obtain new credit after the long-term loan line expires, the system will re-check the user every time the user applies for the credit line.

Operating environment:

Brand model: Xiaomi 12Pro

System version: Android11miui13.

Application version: v6.3.0

The conditions for applying for a long-term loan are as follows:

1. belongs to non-credit users and does not support credit customers;

2. The applicant is 2 1-55 years old (inclusive);

The third is to invite customers;

Fourth, you can apply for a popular loan through recruiting financial APP-. If the application fails that day, frequent application is not recommended. You can try again later.

As the first one-time loan product, large-sum loan inherits the universal convenience of Zhaolian financial product system, and realizes "second-level lending" through online application and immediate approval. Compared with large-scale consumer financial products in the same industry, Zhaolian's "large loan" does not require offline information and interviews. It is a new credit model for Zhaolian Finance to try one-time non-circulating products according to the basic information and monthly income of customers.

With the enhancement of the concept of advanced consumption, young wage earners are gradually becoming the main force of consumption, and their demand for funds is great and often more urgent. "Large loans" have an average credit line of 80,000 yuan and a maximum loan of 200,000 yuan. The customer's goal is "wage earners with sustained and stable wages" with clear usage scenarios. Customers can borrow money for up to 3 years and repay it in 36 installments. After the customer borrows money, it can be used to buy personal consumption scenes such as daily necessities, home appliances and tourism. The validity period of the "large loan" set limit. If the customer fails to withdraw money within 30 days after the application is approved, the quota will be deemed invalid, and the product will bear interest on a daily basis, and no platform service fee and upfront fee will be charged. Customers can complete the application online in Zhaolian Finance APP and official WeChat "Zhaolian Finance".