Is to earn money at high interest rates. Now many third-party credit companies. They all rely on daily interest and monthly interest to fool customers. Say how much you only need to pay back every day and how much you only need to pay back every month. Customers are also rushing to borrow money without careful consideration. When the money is paid back, it will be too late. Later, this kind of thing affected many people. The country is now beginning to rectify.
Second, how do third-party payment companies make money? The original mode of making money is like this.
Alipay and WeChat are the two largest third-party payment platforms in China, monopolizing more than 95% of the national payment market, which also brings them considerable income. Many people don't understand that we use Alipay or WeChat for free, so how can third-party payment companies make money? Let's have a look.
Third-party payment companies Third-party payment companies make money directly by charging service fees, and also by realizing customers. Payment accounts charge merchants or users a payment service fee, and the core competitiveness is the scene and customers. Value-added financial services of customers, namely liquidity, include diversified financial services such as wealth management, credit, credit investigation and data outsourcing. The three largest payment platforms in the world are Alipay, Tenpay and PayPal. Payment transaction scale: PayPal and Alipay/Tenpay are 451300 million USD and 59 trillion /42 trillion RMB respectively. In terms of handling fees, PayPal charges more than Alipay and Tenpay.
Third, how do loan companies make money?
Earn interest
4. Credit companies collect money from third parties.
Legal analysis: All loans are collected by third parties, some are corporate loans, some are private loans, and third-party loans are only used as funds and have nothing to do with the loans themselves. third party
This is stipulated in the three measures and one guideline of the CBRC. After the proper name loan, the loan should be transferred to your counterparty according to the purpose of the loan you apply for, and the third party will not bear any legal responsibility.
Entrusted payment is a payment method of loan funds. According to the borrower's withdrawal application, the borrower's transaction object agreed in the entrustment contract is paid in order to reduce the risk of loan misappropriation. The current application of entrusted payment is that the single loan amount exceeds 5% of the total investment of the project or exceeds 5 million yuan.
Entrusted payment helps commercial banks to strengthen scientific lending and management, and can truly realize loan management. Commercial banks can upgrade the loan risk management model from extensive to refined.
Legal basis: Article 22 of the Civil Law of People's Republic of China (PRC) is invalid if the contents of the company's shareholders' meeting or share resolution violate laws and administrative regulations. The shareholders' meeting or the convening procedure and voting method violate the Articles of Association, or the shareholders may make a resolution from the date of making the resolution. Where a shareholder brings a lawsuit in accordance with the provisions of the preceding paragraph, the people may, at the request of the company, require the shareholder to provide corresponding guarantees. If the company has gone through the registration of change according to the resolution of the shareholders' meeting or the people's cancellation resolution, it shall apply to the company registration authority for cancellation of the registration of change.