"Yin Hang Consumer Finance is a consumer finance company, not a loan platform. Loan platforms generally refer to specific loan products, while consumer finance companies may have multiple loan products. Therefore, to distinguish between loan products and consumer finance companies, it depends on the product name and whether there is the word consumer finance.
Yin Hang Consumer Finance Co., Ltd.
A financial service company in Hangzhou
Hangzhou Financial Services Company Yin Hang Consumer Finance Co., Ltd. was established on February 3, 20 15, and its legal representative is Bei Yu.
Development history
Editor? broadcast
On July 20 15, it was approved for construction by the China Banking Regulatory Commission, with the approval of No.440 [2065438+05]. [3]?
20 15, 1 1 The company's opening was approved by Zhejiang Banking Regulatory Bureau of China Banking Regulatory Commission, and Zhejiang Banking Regulatory Bureau 20 15559? [ 1]?
On June 20 17, the APP client "Yin Hang Finance" was launched? [4]?
2065438+officially became a member of Zhejiang Banking Association in July 2007? [4-5]?
20 17, 1 1, changes in company leadership? [4]?
2065438+June 2008, the payment route was completed and the new payment system was launched? [4]?
2065438+September 2008 core system upgrade? [4]?
2065438+April 2009, the capital increase was approved by Zhejiang Supervision Bureau of China Banking Regulatory Commission, with a registered capital of 1.26 billion yuan? [2]?
2065438+June 2009 online business APP "Chopin"? [4]?
On March 26th, 20021year, Zhejiang Supervision Bureau of China Banking Regulatory Commission issued the Reply on the Change of Registered Capital and the Adjustment of Ownership Structure of Yin Hang Consumer Finance Co., Ltd., and the registered capital of Yin Hang Xiaojin increased from 65.438+0.26 billion yuan to 25.6./kloc-0.00 billion yuan, with a new shareholder, Dirun (Tianjin) Technology Co., Ltd., holding 853.9 million shares. [7]
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.
Which online loan is Yin Hang Consumer Finance Company?
Yin Hang Consumer Finance Company is a licensed consumer finance company and does not refer to a certain online loan product. Online loan products are generally product names, while XX consumer finance refers to consumer finance companies. Consumer finance companies may have multiple online loan products, and the name of an online loan product only represents a specific product.
In addition, users can check the credit report after applying for online loan products. Sometimes the approver is not necessarily an online loan company, but may be a financial institution such as consumer finance and banks.
What loan platform is consumer finance in Yin Hang? Including introducing its products.
Yin Hang Consumer Finance Loan Platform belongs to Yin Hang Consumer Finance Co., Ltd. It is a formal licensed consumer financial institution established by Hangzhou Bank as the main sponsor with the approval of China Banking Regulatory Commission. By August of 20021year, the company's loan balance exceeded 30 billion yuan. So you can have a general understanding of "what is the loan platform of Hangzhou Bank's consumer finance?" Let's take a look.
1. What is the loan platform for consumer finance in Yin Hang?
1 is a loan platform for regular licensed consumer finance companies;
2. It was approved to be established in China Banking Regulatory Commission on 20 15 and 12;
3. The company is headquartered in Hangzhou, Zhejiang Province, and is the first consumer finance company in Zhejiang Province;
4. The loan funds come from the investments of famous enterprises such as Hangzhou Bank, Didi and China Yintai.
II. Introduction of Consumer Finance Products of Hangzhou Bank
1, exclusive loan
Mainly for civil servants, employees of institutions and employees of central enterprises and large state-owned enterprises such as telecommunications, electric power, tobacco, ports and aviation. The maximum loan amount is 200,000 1 application, valid for 3 years, with daily interest. The annualized interest rate is as low as the daily interest rate, and there is no other fee except interest, and there is no handling fee for early repayment.
2. Enjoy the loan easily
As a sub-brand of consumer finance of Hangzhou Bank, the loan platform is a consumer mobile phone client, and ordinary users can apply online with their ID cards. The application procedure is simple, and the loan amount will arrive in one minute at the earliest, with daily interest and annualized interest rate (simple interest). The repayment period is flexible, but there is a 2% handling fee for early settlement.
The above is about "What is the loan platform for consumer finance in Yin Hang?" I hope it will help you.