First, with the continuous improvement of people's consumption level, people's demand for loans is increasing, and there are more and more microfinance companies, so it is particularly important to judge and choose a formal microfinance company. Before, a friend of mine happily went to a small loan company to borrow money, only to know later that he had been cheated. According to him, the submission process of that company is very simple, and the audit speed is super fast, and the final result goes without saying. So be sure to keep an eye on those companies with relatively simple audits.
Second, as a famous show in the financial services industry, the new Wynn has a professional and formal team and a strong risk control department-Hengan Tianyan. Here are some criteria for judging whether microfinance is formal or informal: 1, without any extra charge. If it is a fraud company, then they will need you to pay a certain amount of deposit, handling fees and other fees before you can borrow money. As you should know, micro-loans are basically pure credit loans and do not require any extra fees. So in this case, you can tell at a glance that it is a fraud company. 2. Don't covet petty advantages.
Compared with banks, loan companies offer higher loan interest rates, while some fraud companies advertise "low interest rates" to attract people who need money badly, and don't fall into the trap of swindlers because of greed and cheapness.
Third, the feeling information is simple and true. Although the threshold for loan companies is low, borrowers still need to complete their valid ID cards, work certificates, income certificates and other procedures. Don't believe that a single material "ID card or household registration book" can handle the loan. And if you meet a company, the information is very simple, and sometimes you don't need any real-name registration certificate at all, then you are basically a liar. If the loan amount is large, you can visit the company. If the loan amount is large (small amount is unnecessary), if the traffic distance allows, you can visit the company first to ensure the authenticity and formality of the company. It is also a method to query the company's filing information through the Internet. Make a preliminary judgment on the company by querying the filing information, and then do other confirmation work.