Running a little is risky.

If your running profit is small, in practice, in most cases, the running amount is small and the profit is small. The payment settlement amount reaches 200,000, because the running amount is linked to the commission, and the solid flow is often very large. Although the conviction standard is low in practice, the sentencing is relatively loose and the inapplicability rate is relatively high.

Second, what are the risks?

1, the loan cost is high. Due to the low application threshold, small loan companies certainly bear relatively large loan risks. In the loan industry where risk is converted into profit, the interest rate charged is naturally higher than that of banks. However, it is worth noting that the charging standards among small loan companies are also different, and it is still king for borrowers to shop around. 2. There are many loans. In the crowded unsecured loan market, many criminals dressed as small loan companies cheat borrowers who use money. Generally speaking, 80% of lending institutions require borrowers to pay fees in advance in the name of collecting deposits, handling fees and interest. But in fact, regular companies began to charge related fees in the first month after the loan was successful. 1, Article 18 of the Administrative Measures stipulates: "Companies that truly serve small enterprises and' agriculture, rural areas and farmers' and operate in compliance can increase their capital and share after 1 year of establishment, and the plan for capital increase and share expansion will be reported to the provincial financial office for review after being approved by the local government." 2. Article 17 of the Banking Supervision and Administration Law applies for the establishment of a banking financial institution, or the banking financial institution changes the total capital or shares to a specified proportion, and the the State Council banking supervision and administration institution shall review the sources of funds, financial status, capital replenishment ability and integrity of the shareholders; Article 18 The business types within the business scope of banking financial institutions shall be examined and approved by the the State Council Banking Regulatory Authority or put on record in accordance with relevant regulations. The types of business that need to be approved or put on record shall be stipulated and announced by the the State Council Banking Regulatory Authority in accordance with laws and administrative regulations; Article 19 Without the approval of the the State Council Banking Regulatory Authority, no unit or individual may establish or engage in the business activities of banking financial institutions.

Third, what are the risks?

Is it a micro-credit loan now? If so, it must be risky. He asked you to vouch? Do you need a copy of your certificate and ID card? If there is, there must be a small rating, mainly depending on the credibility of you and the person who asked you to vouch for him, if you don't even think he can do it himself. You guarantee, you have to bear the guarantee responsibility, in case of unexpected circumstances, he can not repay! Then how much he borrows needs you to share with others (others refer to the people who vouch for him with you) to repay the loan. As for the repayment method; It is best not to think about it, even if it is dangerous. You can use your public funds during his non-repayment, and you just provide him with a guarantee. No one cares what you do without his return.

Fourth, what are the risks?

Individuals have the following risks:

1. Personal consumption credit risk mainly comes from the borrower's repayment ability and personal credit risk, that is, the fluctuation range of personal income and the level of moral quality, in which personal credit status is closely related to the credit environment of the whole society.

2. There are defects in the self-management of commercial banks, which leads to an increase in potential risks. At present, although the domestic commercial banks continue to strengthen the system construction, the overall management level is still not high, and it is difficult to jump out of the strange circle of "letting go at random and catching up with death".

3. Blind marketing, unplanned distribution of consumer credit, causing great risks. In recent years, in order to expand profitability and seize market share, commercial banks have encouraged their branches to vigorously develop personal consumer credit business.

Amoy Financial Reminder: Any loan is risky.

(A) the borrower's business risks

The borrower's business risk is directly passed on to the creditor.

The risk that the borrower is unable or unwilling to repay the loan principal and interest on schedule due to business management, market changes, disasters, moral factors and other reasons.

(b) Operational risks of employees (risks that run through the whole business process)

Operational risk refers to the loan risk that may be caused by the failure of the company's internal control and governance mechanism and the failure of the information technology system.