Banks with strategic cooperation in Xiaoman include CITIC Bank, baixin bank, Agricultural Bank, bank of tianjin and Nanjing Bank. Among them, it also cooperates with many banks such as China Everbright Bank, China Guangfa Bank, Wenzhou Bank, Baoshang Bank, Jining Bank and Minsheng Bank. Xiaoman is also a product of Baidu, which mainly serves the emotional course of consumption and is also a formal online lending platform.

First, how to distinguish between formal loan platforms?

Formal loan service companies must have formal business licenses, business licenses and other relevant certificates issued by higher authorities, fixed business premises and stable contact arrangements. The fees of formal lending institutions are charged only after the loan is successful, and there will be no fees before the loan. However, there are many micro-loan platforms that charge fees before users lend money through various means, but after everyone pays successfully, they may not be able to lend money.

Second, which loans can't be touched?

Online loans that are not eligible for loans are commonly known as cash loans. The amount is very low, mostly 1, 000-5000 yuan. Interest is calculated on a daily or weekly basis and rarely on a monthly basis. This kind of loan is basically available as soon as you apply, and it was also very popular in previous years. But don't try this kind of loan, because this kind of loan is often accompanied by risks such as beheading interest, exploding the address book and charging membership fees. Once you don't pay it back, you will make a profit, and even borrow thousands to roll hundreds of thousands. It is easy to support loans with loans, with more and more debts, and this pit is getting deeper and deeper. Nowadays, there are many private loans, and the patients themselves are illegal. They have a deep routine and often appear in gambling and gambling occasions. If you lose the bet, borrow money and write a written contract. People who lose money in gambling generally don't look carefully, just sign their names and press their fingerprints. Similar to 7 14, it can be said to be a usury, but the contract signed has no legal effect. In this case, you can call the police directly.

Finally, there are many online lending platforms. First, we must choose a formal lending platform. Finally, you should pay attention to its fun. The annual interest rate shall not exceed 36% stipulated by the state. Otherwise, it may involve usury. Don't touch it, or it will bring great trouble in the future.

What kind of bank loan is it?

Du Xiaoman's loan is not from a bank. By 20 18, Du Xiaoman has cooperated with more than 50 banks and consumer finance companies, lending more than 250 billion yuan.

First of all, briefly introduce Xiao Man's degree.

Du Xiaoman Finance is actually an Internet financial platform, which not only provides services in consumer finance, but also provides services in Internet financing, Internet insurance, Internet securities and other payments. Speaking of loans, Du Xiaoman's credit products are money spent and belong to personal credit loans. Rich flowers mainly provide personal consumption credit services, including easy loans and privileged loans. The loan funds are mainly used for daily consumption education, medical beauty and renting houses. As for the credit lines of various loan products, they are generally between 500 yuan and 200,000 yuan, and the lowest annualized interest rate is 7.2%. The loan term can be 3, 6, 65, 438+02 months, and the customer can also use it to repay the loan, and the loan can be repaid the next day.

Second, what are the conditions for a small full loan?

Small loans must be at least 18 years old and not more than 55 years old. Have full capacity for civil conduct and cannot be a college student. Applicants must provide their second-generation ID card and debit card. If the user is a college student, he needs to stop applying for small loans and can reapply after graduation. Small full financial loans only support debit card repayment, not credit cards and quasi-credit cards. Users need to repay on time when using microfinance loans, so as to avoid the influence of overdue loans overdue on users' personal credit, loans and credit card business provided by banks. When users use microfinance loans, they also need to make clear that the loan requirements should be implemented as required.

Third, what should I pay attention to when lending?

Users must check whether the lending institution or platform is formal in advance when lending, and pay attention to whether the lending institution has a financial license. If you encounter an informal lending institution or platform, you may be cheated. Secondly, it depends on whether the loan interest rate is normal. Some lending institutions will cheat on interest rates. For example, they promote low interest rates, but they are actually usury. At this time, we should pay attention to whether the interest rate is at a normal level. Secondly, it depends on whether there are other mandatory requirements when lending, such as service fees or liquidated damages.

Is Du Xiaoman owned by the bank?

No, Xiaoman is the original Baidu Finance. Only cooperate with bank deposit products. According to the Deposit Insurance Law, individual ordinary deposits enjoy deposit insurance protection, so as long as they are ordinary bank deposit products, their safety is guaranteed. Moreover, the interest rate of products with small financial management ability is generally higher.

Which bank allocated Xiaoman's money?

There is more than one approving bank, dozens of banks cooperating with Xiaoman, and many other institutions. Basically, all major commercial banks have them. After different lenders apply for loans, the approving banks may be different.

After the lender applies for a small loan and successfully approves the loan, it is necessary to keep in mind the repayment time and repay it in full and on time before the repayment date expires, so as to avoid personal credit damage due to overdue. At the same time, after overdue, the platform will calculate a large number of penalty interests.