The development of the Internet has brought convenience to people's lives. Just like loans, now people don't need to go to the bank to apply for loans in person, but they can apply online. So what are the bank's online loans? Let's take a look with Bian Xiao!
What are the online banking loans?
1, China Construction Bank
The fast loans of China Construction Bank include: fast e-loan, financing e-loan and pledge loan. Customers can apply for and sign contracts online through self-service and approve them in real time. The loan amount ranges from 1000 yuan to 50 thousand yuan, and the maximum loan amount for financial and private customers can reach 500 thousand yuan. The longest loan period of quick loan is one year, which can be recycled, and the annual interest rate of the loan is about 5.6%.
2. China Merchants Bank
China Merchants Bank's lightning loan, customers can check the loan amount of China Merchants Bank's active credit through mobile phones, and it will arrive in 60 seconds at the earliest. Loan amount: the salary paid by individuals is less than 300,000 yuan, and the credit amount of business owners is generally less than 200,000 yuan. The loan term is divided into 1 year and 2 years; Enterprises are divided into 1 month, 2 months and 1 year.
3. Shanghai Pudong Development Bank
Puyin integral loan of Shanghai Pudong Development Bank has a loan amount of 2000 to 300,000, the longest loan period is one year, and the annual interest rate of the loan is about 8.28%. The characteristic of Puyin integral loan is that it can be repaid in advance without charging any fees.
4. Guangfa Bank
Both E-second loan and E-second loan of Guangfa Bank are revolving credit models, and a five-year revolving credit line can be obtained with one application. The loan amount is 5,000 to 300,000. The annual interest rate of the loan is about 8.3%, which is more suitable for working-class and private owners to apply. Interest is calculated on a daily basis, without withdrawal or interest.
What should I pay attention to in online lending?
1. Determine the repayment period and loan amount of the bank, and choose a platform that is suitable for you, profitable and controllable in risk. The higher the return on investment, the greater the investment risk.
2. Compare the lending platform. If there is bank depository, the fund management will be more standardized and safer.
3. Look at the transparency of the operating data and information of the lending platform. Investment and lending with good business data are more reliable.
Bian Xiao concluded: The above is the related content of online banking loan, and I hope it will help everyone.
What are the application conditions for e-second loan of Guangfa Loan?
Is it good to approve Guangfa E-second loan? The application conditions of Guangfa E-second loan are as follows:
The maximum loan amount that Guangfa E-second Loan can apply for is 300,000 yuan.
1. The applicant must be a citizen of China, aged between 25 and 55, with full capacity for civil conduct;
2. Applicants must pay social security/provident fund continuously or pay taxes for more than 3 months;
3. It is necessary to have a stable wage earner and a good credit record.
If you meet the above conditions, you can apply for an e-second loan from Guangfa.
The pricing range of Guangfa E-second loan is divided into four grades. Different lenders implement different expected annualized interest rates, and the repayment method is equal principal and interest. The actual annual interest rate is about 8.3%, which is considered as a low expected annualized interest rate standard in the same industry.
At present, there are many easy applications in the market, which directly adopt the online loan application mode, without providing mortgage guarantee, and you can borrow money entirely by personal credit. If you apply for it, you'd better choose regular institutional products. The loan period is long, which will be safer and less stressful, and will not affect your daily life and work. Friends in need can look at these models:
1, money to spend
It is a credit service brand under Xiaoman Finance. It is a platform for Xiaoman to borrow money. Xiaoman is the original Baidu Finance. Backed by a licensed institution like Baidu, rich loan products are relatively more reliable.
Licensed financial institutions, such as United Bank and consumer finance companies, have the money to provide services to borrowers. The source of funds is authoritative and professional, and the password is also reviewed every time the loan is made. The loan can only be placed in the bank card in the borrower's own name.
Apply with ID card and bank card (except for college students). The maximum loan amount is 200,000, the minimum annualized interest rate is 7.2%, and the fastest time is 30 seconds. 1 minute.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
It is the leading formal loan platform in China under 360 subjects. You can apply with your ID card and bank card. The result of identity authentication can be obtained in 30 seconds at the earliest, the loan can be released in 3 minutes at the earliest, and the money can be received in 3 minutes after the application is submitted successfully.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan
Ping An Xinyi Loan is a pure credit loan product of Ping An Bank, and the borrower does not need to provide mortgage and guarantee. This product can provide a loan of1-500,000 yuan, the service life is 12 months to 48 months, and the monthly interest rate is1.1%-1.53%.
Ping An Xinyi Loan belongs to the bank's loan product, but the application process is very simple, and the following payment speed is also very fast. If the loan information provided by the borrower is complete, the loan can be released as soon as 1 day.
Ping An Xin Yi Dai Click Online Measurement
At present, credit loan products can be loaned only by ID card, without guarantee and mortgage. They are loans applied for through personal credit. There are many loan platforms that provide credit loans, but some of them are unreliable. Loan applicants should pay attention to screening.
Depending on whether the loan platform is reliable, we can see whether there is permission from the licensed institution, whether there is a charge before the loan, and whether the loan interest rate meets the national regulations.
A reliable loan platform has no pre-loan fees, and the loan interest rate will not exceed the scope of national laws. Licensees will have a certain application threshold, and not everyone can apply. Loans that everyone can apply for are often tricky. Don't let your guard down for the success of the loan.
Looking at the financial strength of banks from the perspective of online loans: Guangfa Bank initiated the era, while China Construction Bank hesitated.
In recent years, with the rapid development of consumer finance, financial technology has gradually taken root in people's hearts and been recognized by financial related industries. More and more traditional banking institutions have also begun to cooperate with financial technology companies to improve their business capabilities in all directions.
Since the Spring Festival, due to the "anti-epidemic" of the whole people, bank outlets have even been unable to operate normally for one month. During this period, some account managers frequently sent friends to promote the use of their own apps for business. In fact, this is also a microcosm of financial technology helping the banking industry.
In the field of consumer finance, online personal credit business can represent the financial technology ability of banks to a certain extent. Compared with the intelligent collection robot after loan, it is still far from the level of replacement. With the blessing of financial technology, the personal credit business has already realized pure online review and lending without manual intervention.
The online trend of personal credit information is obvious, and joint-stock banks lead the industry.
Although there are no technical obstacles to online personal credit investigation, there is a big gap between banks, and this epidemic just allows major banks to re-examine and evaluate their financial technology.
Because of the special positioning of Internet banks, private banks and direct selling banks, they usually do not have widely distributed physical outlets, and they are born with their own financial technology genes, and online credit is the basic business. Today we mainly look at traditional banks.
Liu Dahang
It is understood that there is no pure online personal credit business in China Bank. We saw a product called BOC e-loan in the hidden position of BOC App. After submitting the simple information, it shows that it is waiting for the account manager to contact.
The account manager told us that this product is only open to civil servants, doctors, teachers and high-quality customers who pay salaries, and branches need to put employees on the white list before applying.
This mechanism is prone to the problem of missing the report or not updating the list in time, but the account manager said that the business has actually been carried out very little and the application has been suspended recently.
CCB's online personal credit product is fast e-loan, which also adopts a white list system, mainly targeting civil servants, our mortgage customers and customers with more deposits in our bank.
Postal savings bank has many loan products, the only online personal credit product is mail home loan, but it is only for the old customers of the bank's mortgage.
In contrast, the online personal credit business of Bank of Communications is more mature. Its Huimin loans were launched in 2065438+2007 and 65438+2007. Although the approval conditions are strict, there are no strict restrictions on the customer base. However, it should be noted that another identity of Bank of Communications is the first national joint-stock commercial bank.
On the whole, except for Bank of Communications, the online personal credit business of the six major banks has developed slowly, with no obvious signs of transformation. An official of CCB told us that they have strict control over loans, and many things inside the company are restricted. However, we believe that not paying attention to this kind of business should also be one of the reasons why it is difficult to see improvement.
National joint-stock commercial banks
National joint-stock commercial banks lead the domestic traditional banking industry in the field of online credit. Among them, Guangfa Bank launched E-second loan as early as 2065438+July 2005, which was the first bank personal credit product in the industry that was open to the whole society, applied online and approved immediately, while the domestic financial technology industry was still in its infancy.
It is understood that among 12 national joint-stock commercial banks, only CITIC Bank and Zheshang Bank have not launched personal credit products.
Among them, CITIC Bank established the online banking department at the end of 2065438+2002, and put forward the goal of "recreating an online CITIC Bank". However, from the perspective of online personal credit business, CITIC Bank has fallen far behind its competitors.
In addition, hengfeng bank, Bohai Bank and other institutions' related products, such as Bank of China and China Construction Bank, all adopt the white list system, which is not open enough.
City commercial banks and rural commercial banks
In recent years, major city commercial banks have actively explored and laid out the field of consumer finance, and generally adopted the form of cooperation with various lending institutions and Internet giants. However, due to policy restrictions and other reasons, city commercial banks are slightly behind in self-operated products.
For example, the online personal credit products of Chongqing Bank and Bank of Ningbo are still using the traditional authentication method of uploading ID card photos; The fast loan launched by Shanghai Bank is only for the bank's credit card users, and it is an invitation system; Shengjing bank's e-loan is also only for specific users; After the online approval of the loan for the Year of the Rooster of Hangzhou Bank, it is necessary to sign offline.
Bank of tianjin and other large city commercial banks don't even have online loan products, while the related products of Bank of Beijing have been suspended recently.
What is worth mentioning is the Hello E loan from Nanjing Bank. Although this product is only aimed at users in Jiangsu, Shanghai, Hangzhou and Beijing, there are not many requirements and restrictions on users except paying the provident fund.
In addition, a large number of rural commercial banks are also actively carrying out online transformation of personal credit. However, due to less user coverage and limited service area, only a few institutions with large assets and strong strength will do online personal credit products that serve the whole country, such as Xin e loan launched by Shanghai Rural Commercial Bank.
Generally speaking, it is common for banks to launch online personal credit business, and it is still improving. For example, the personal loan manager of Hangzhou Bank told us that their credit products will definitely be upgraded to pure online in the future to solve the inconvenience of face-to-face signing at present.
Online is only the foundation, and financial technology should not stay in concept.
It should be noted that they are all online personal credit businesses, but the financial technology content between banks is very different.
Many banks only carry out online paperless transformation of offline loan business, and the original manual work is handed over to the system for processing. Some banks even need manual intervention in certain processes, and it is obviously not worthy of the name to advocate businesses or products similar to financial technology.
For example, the aforementioned Bank of China, China Construction Bank, Bank of hengfeng bank and Bohai Bank all adopted the white list access mechanism, strictly limiting the target customers to a few extremely high-quality industries, while the customer groups faced by the loan products themselves are almost the same as before, and the audit standards are not much different.
Among them, the fast e-loan of China Construction Bank was launched as early as 20 14. At that time, there were even four or five licensed consumer finance companies in China, and the Internet consumer finance industry was still in its infancy, and fast e-lending had been at the forefront of the industry.
At the end of 20 14, the relevant person in charge of CCB said that although the target customers of this product are mainly stock customers at present, Kuaiyi Loan, as an internet financial product, is an open platform, and CCB will continuously expand the coverage of qualified customers through continuous data mining and analysis.
However, in fact, the fast e-loan product perfectly explains "getting up early and catching up late". In the past six years, it has almost stagnated. So far, it has not completely walked out of the circle of CCB and has been overtaken by many latecomers.
With the development of financial technology today, the changes brought to online business are not only as simple as replacing labor and improving work efficiency, but also including using big data, artificial intelligence and other technologies to acquire customers more widely and efficiently and complete more reasonable risk pricing.
To do this, it is obviously not enough to rely on conventional data information such as central bank credit data, government data and data. It is also necessary to cooperate with other credit information companies, big data companies and financial technology companies to enrich data sources.
For example, Bank of Communications cooperates with Beijing Gio Polymerization Technology Co., Ltd., China Chengxin Credit Information Co., Ltd. and Pengyuanzhengxin Co., Ltd.; Everbright Bank cooperates with Koala Credit Information Service Co., Ltd. and Beijing Zhongshu Zhihui Technology Co., Ltd.; China Merchants Bank cooperates with Zhejiang Nuo Nuo Network Technology Co., Ltd. and Touchstone Credit Service Co., Ltd. ..
It is worth noting that the legitimacy of the data source and authorization process is very important. For example, after Tongdun Technology, a well-known domestic risk service provider, was investigated in September last year, many banks were forced to cancel their cooperation under compliance pressure, and even many well-known banks such as Shanghai Pudong Development Bank seriously affected the company's business. Of course, individual credit reporting companies that are currently active do not mean that there are no problems.
2019165438+1On October 20th, the CCTV program "China Financial Report" revealed that koalas were suspected of illegally providing ID cards for more than 98 million times, with a profit of 38 million yuan, and more than 20 people involved, including legal representatives and the chairman, were arrested. The program also mentioned that koalas collecting letters illegally cache citizens' personal identity information in the process of providing services.
Up to now, 10 banks have set up financial technology subsidiaries, which should be the most direct way for traditional banks to attach importance to financial technology. I believe that in a few years, banks can play a more important role in the field of financial technology, and the consumer finance industry can also usher in the era of a hundred flowers.
Tips: Due to the different policies of banks, the contents are for reference only.
How to apply for online loan from Guangfa Bank?
In response to the demand for online loans, Guangfa Bank launched an Internet loan product-"e-second loan". The application conditions and procedures are as follows:
Application conditions:
1. Age: 25-55 years old;
2. Chinese mainland residents and the current unit has worked for half a year;
3. Have continuous and stable work income and good credit record.
Application process:
1. After submitting the application online, you can know the loan pre-approval amount in 3 seconds at the earliest.
2. Within one working day after successfully completing the application, a special person will contact the customer by telephone to arrange the signing of the bill.
3. After signing the contract, you can pay by yourself in electronic channels such as online banking and mobile banking of Guangfa Bank as soon as possible.
Let's stop here for the introduction of Guangfa Online Loan.