What are the formal lending platforms? Take stock of five formal lending platforms.
With the increasing demand for loans, there are more and more loan platforms in China. The most traditional formal lending platform is bank loans. Generally, mortgage is needed to handle loans in banks, such as housing loans and car loans.
Of course, banks will also launch unsecured credit loans, which are more demanding than peer-to-peer lending platforms. Let's talk about which lending platforms are formal and which five platforms are available.
1, excuse me
It is a loan product launched by Ant Financial for Alipay users. The sesame score is required to be above 600, and the maximum loan amount is 300,000. Everyone's use of Alipay is different, and the loan amount will be different. The daily interest rate ranges from 0.02% to 0.06%, which is generally about 0.05% for new users and 0.03% for old users.
2. Microfinance
Tencent Weizhong Bank launched, you can borrow money on WeChat or mobile QQ, but you can't actively open it. Those who meet the requirements of micro-credit loans can see the loan entrance in WeChat wallet or mobile QQ wallet. The maximum loan amount is 200,000 yuan, the daily loan interest rate is 0.02%-0.05%, and the general loan interest rate is around 0.04%.
3.baidu has money to spend.
(Click here to test the consumption amount for free)
Backed by Baidu, you can apply for loans through Xiaoman Finance and Baidu Wallet APP, which are divided into three products: all-easy loans, short-term loans and exclusive loans. The maximum loan amount is 300,000 yuan, and short-term loans and all-easy loans can be repaid with the loan. The daily interest rate of the loan is between 0.0 1%-0.05%.
4. Xiaomi loan
It is a loan product launched by Xiaomi Finance. The maximum loan amount is 200,000 yuan. You can apply for a loan through Xiaomi Financial APP, bind your ID card after registration, and apply for a loan after checking the credit limit. The daily interest rate is 0.02%-0.05%, so you can borrow it.
5. Jingdong Finance
JD.COM white bars and JD.COM gold bars were introduced to meet the demand of consumption and cash loans. After logging in to Jingdong Finance, you can check the withdrawal amount of gold bars. Each user uses JD.COM with different frequency and loan amount. The daily interest rate is between 002% and 0.05%.
The above five loan platforms are all loan products launched by software that we use a lot every day. Can be repaid in advance, will not charge liquidated damages. The loan interest is floating, and the loan interest of old users will be lower.
Which banks have credit loans?
There are many formal bank credit loans:
1. ICBC's e-loan. Credit business conducted by users with debit cards and credit cards when spending.
2. CCB's fast loan. Including: fast e-loan, financing e-loan, pledge loan, car e-loan and wo e-loan
3. New loans from Ping An Bank. Unsecured loans for personal consumption by people with stable working income.
4. China Merchants Bank's lightning loan. It is a pure credit unsecured loan from the bank to China Merchants.
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.
Second, the risk review of microfinance
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
1. The content of the review omits the loan examiner of the bank, which leads to 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 risks.
3. Many wrong judgments are caused by banks not listening to experts' opinions or professional judgments of professionals. 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.
Third, the legal content of the pre-loan investigation
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 status of the borrower, check whether the registered capital of the borrower is consistent with the loan; 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 conditions, 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. About the burden
What are the formal lending platforms?
A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
What platforms are there for credit loans?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, JD.COM Jinmin Piman Finance, Suning Finance, Ping An Hewlett-Packard, Microfinance, 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. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in 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, I recommend 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, which is highly supported by Baidu brand background and technology.
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 credit loan products?
Credit loan products refer to credit loan products that do not need mortgage and guarantee. Now there are mainly the following credit loan products:
1. Bank credit loan products: All banks have launched credit loan products, such as China Construction Bank Express Loan, Ping An New Loan, China Merchants Bank Flash Loan and Shanghai Pudong Development Bank Silver Point Loan.
2. Online credit loan products: Most online loans belong to credit loan products, and the well-known ones include loan treasure, consumer treasure, gold bars, white bars, micro-loans and online business loans.
3. Consumer finance credit loan products: Consumer finance companies have also launched some credit loan products, such as Zhaolian Consumer Finance Good Term Loan, BOC Consumer Finance New Easy Loan-Microfinance, Yin Bao Consumer Finance Package, and you can also borrow.
What are the regular platform loans?
National formal platform loans: Ant Loan, Micro Loan, Instant Consumer Finance, JD.COM Gold Bar and Ping An Hewlett-Packard Loan.
1, borrowed by ants.
Ant Borrowing is the loan service of Ant Financial Service launched by Alipay. At present, ant borrowing is only open to users with sesame score above 600, and the specific amount and interest rate of ant borrowing are also closely related to sesame score. The higher the sesame score, the easier it is for users to get loans. The maximum loan amount is 300,000 yuan, and the interest rate is generally low.
In addition, users who often use ants to borrow money will have a higher quota and lower interest. At present, ants borrow it and use it to pay it back, with a minimum daily interest of one ten thousandth.
2. Microfinance.
Micro-loan is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, Tencent's first internet bank in China, for QQ users and WeChat users. Launched on 20 15.
Micro-loan adopts invitation system, and only invited users are eligible to use micro-loan. Micro-loans provide users with a loan amount of up to 300,000 yuan, and also adopt the method of daily interest, with a minimum daily interest of 1.5%.
3. Consumer finance immediately.
Instant Consumer Finance is a licensed consumer finance institution approved by China Banking and Insurance Regulatory Commission. At present, it has two products: instant installment and comfortable flower, covering two major consumer finance fields: consumption installment and cash installment. At present, consumer finance provides users with a loan amount of up to 200,000 yuan, and the application conditions are relatively low. You only need to provide the corresponding income proof to apply.
4.JD.COM gold bars.
JD.COM Gold Bar is a credit loan product under Jingdong Finance. At present, JD.COM gold bars adopt the application system, and users can apply independently. At present, JD.COM Gold Bar provides users with a maximum loan amount of 654.38+10,000 yuan, which is repaid in monthly installments with a minimum monthly interest rate of 0.5%.
5. Ping An Pratt & Whitney Loan.
Ping An Pratt & Whitney is a consumer financial institution under Ping An Bank, which specializes in serving individuals. At present, Ping An Pratt & Whitney has several loan products, such as I loan and oxygen loan. The official claims that it takes only 3 minutes at the earliest to lend money, and the application threshold is not very high. It is very convenient to use and the user's evaluation is also very good.