Bank consumption is a formal licensed financial institution, not a black online loan. Yin Hang Consumer Finance Co., Ltd. was established on February 3, 20 15, with the approval of China Banking Regulatory Commission, China? National financial institutions with consumer finance licenses. The legal representative, Bei Yu, was initiated by Hangzhou Bank, a city commercial bank, and jointly funded by domestic and foreign enterprises such as China Yintai and European commercial bank BBVA. The company takes "data, scene, risk control and technology" as the core, and relies on cutting-edge Internet technologies such as big data, artificial intelligence and cloud computing to provide financial services to consumers all over the country.
What is the loan of Yin Hang Finance? Is it formal? Microfinance institutions.
There are many online lending platforms now, and the requirements for loans are high and low. People will consider the formality of the platform when considering the suitability of the platform. Yin Hang Finance is a formal financial company, which can provide loan services to people in need.
First of all, Yin Hang Consumer Finance Company is a licensed consumer finance company, not a certain online loan product. Yin Hang Finance Company can issue personal consumption loans and financial bonds, and provide consulting and agency services related to consumer finance.
From the platform background, Yin Hang Consumer Finance Company was established with the approval of China Banking Regulatory Commission, and obtained the relevant business license on 20 18 1 1, so its operation still meets the requirements.
From the product point of view: Yin Hang consumer finance mainly launched three products: exclusive loan, light truck and light loan. Take light loans as an example. If the user applies for a loan of 1 0,000 yuan10.2 months, the minimum daily interest fee is 27 cents. In other words, the interest rate fees that users are most concerned about are within the scope of compliance, and there are no other fees except interest.
From the perspective of lending, Yin Hang's consumer finance has been connected to the central bank's credit information system. Yin Hang Finance not only provides loan services for itself, but also connects with some online lending platforms to become employers, which is why some people have not done business in Yin Hang Finance, but when printing the credit report, they show the reasons of consumer finance in Yin Hang.
Loan: Yin Hang Consumer Finance provides users with pure credit consumer loans without mortgage guarantee, mainly relying on personal credit application. If there is a loan demand, you can apply for a loan through the outlets and make an appointment.
So what should I do if I encounter an informal lending institution? Generally speaking, this kind of loan must charge high interest. If there is huge interest, that is, the interest is more than four times the bank's benchmark interest rate, then we don't need to pay more than four times the interest, which is also supported by law.
In addition, pay attention to those loans that require you to spend money first, such as paying a deposit, handling fees or signing a gold contract to transfer money. The formal loan platform only needs to complete the formalities and wait for the next payment, and there is no charge.
Generally speaking, Yin Hang Finance Company is a serious company, and its loan products and services are also very formal and guaranteed in many aspects. At the same time, if you encounter illegal loans, you must keep the evidence and safeguard your legitimate rights and interests.
Can Hangzhou Bank make the next payment after the return visit? Is it safe?
It is safe for Yin Hang to make the next payment after the return visit. The consumer finance of Hangzhou Bank is formal. Yin Hang Consumer Finance Company is a licensed financial institution approved by China Banking Regulatory Commission. The issuing authority is Zhejiang Banking Regulatory Bureau, and the issuing date is 20 18 1 1.2. Yin Hang Consumer Finance is a licensed financial company. It not only launched its own platform loan products, but also lent to cooperative platform products, and it has been connected to the central bank's credit information system, which is very reliable.