Each qualified business license can borrow 654.38+10,000 yuan;
The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;
Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;
Second, the online loan franchise business license
There are many business license loans, such as Wechat business loan from Weizhong Bank and online merchant loan. Although different business licenses have different requirements for loans, loans should not only provide business licenses, but also meet some basic conditions. For example, there are stable business premises, tax registration certificates, good business conditions and collateral recognized by lending institutions. The key is that the lender must have its own funds and stable income, and can't have bad credit records. In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Borrowers and borrowers can achieve the purpose of borrowing without leaving home. Generally, the amount is not high, there is no guarantee, and it is pure credit lending. Online lending is divided into b2c mode and c2c(p2p) mode. Strong institutional support, because online lending must occur on the network platform, and banks must build a strong credit system to support it. This system must be able to accept loan applications, comprehensively analyze customers and finally issue loans. Due to the huge daily transaction volume of C2C platform, the manpower, material resources and financial resources spent by this powerful system are unbearable for any commercial bank. Therefore, relevant government departments and trade associations must coordinate and communicate, so that every commercial bank can participate. With the expansion of such loans, the final loan cost will have a great cost advantage over conventional loans. With the popularity of the Internet, the Internet is gradually infiltrating into every aspect of people's daily life, and people's living habits will be changed in the future. In view of the popularity of the Internet, various industries closely related to people's lives are also changing. The most typical example is retail. Online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet. Correspondingly, the rise of a number of online loan intermediary companies has also made great contributions to the popularization and promotion of online loans. With the development of smart phones and wireless Internet, mobile financial platform is in the ascendant. Wireless Internet has many traditions, such as anytime, anywhere, convenience and so on, which can quickly meet people's needs.
Does 360 have a financial license?
1.360 currently has no financial license.
2. Because the financial license is issued by the national banking system, it is mainly aimed at the access and management of financial practitioners, while 360 is an Internet company whose main business is network security and information technology, and has no direct connection with financial business.
3. At present, 360' s main business includes network security products, intelligent hardware products and information technology services.
Although there is no financial license, 360 has strong strength and influence in the field of internet finance, providing users with various financial services such as payment, deposit and wealth management.
Fourth, online loans with business licenses.
1, the great era of point melting
Dianrong Food Loan is an online loan specially designed for catering enterprises to help them open branches and carry out storefront decoration. The maximum loan amount of point financing food loan can reach 6,543.8+0,000 yuan, the lowest daily interest rate is only 0.04%, and the fastest is 654.38+0, with automatic repayment every day.
2. Agricultural Bank of China Microfinance
Agricultural Bank of China microfinance also serves small and micro enterprises, and can be applied through online banking and mobile banking. The amount of small loan of Agricultural Bank of China can reach 1 month.
3. Micro-enterprise loans from Weizhong Bank
At present, the loans for small and micro enterprises handled by Weizhong Bank are mainly in Hunan, Shandong, Tianjin, Yunnan and Jiangxi provinces. The loan amount of small and micro enterprises can reach 300.
4. CCB understands you.
CCB understands that you are an APP launched by CCB for small and micro enterprises, which can handle loans for the majority of enterprises. Small and micro enterprises can apply for loans of up to 5 million yuan with business licenses and tax information. , service life 12 months.
5. pocket letter
Letters are all online loans specially designed for merchants, and merchants can handle them with business licenses and other materials. The maximum credit line of Xindu can reach 200,000, the loan interest rate is as low as 5/10,000 per day, and the funds can reach the account quickly 1 hour.
Online loan excess
First, late payment will affect personal credit. Lenders borrow money from banks, and if they fail to repay it within the time limit, they will apply for loans with personal credit reports, which is very difficult, and most of them will be rejected, causing many troubles to personal production and life.
The second consequence is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses and will not be repaid on time.
Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the lender will make a dunning. If it is not returned for a long time and the degree is serious, it will even face collection. This overdue person should be prepared to pay off the money at the first time and then solve it.
Fourth, people who make money for a long time may be cheated by financial institutions. After acceptance, the court has pronounced that the lender's assets may be sealed up. This is the "repayment reward" that the lender must implement, otherwise the property and other assets under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.
Fifth, if the circumstances are serious, such incidents are civil and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the borrower will be investigated for criminal responsibility, and depending on the seriousness of the circumstances, the borrower will go to jail.