Tailong Bank is Zhejiang Tailong Commercial Bank, which was established in 2006. Its predecessor was Taizhou Tailong Urban Credit Cooperative, which was established in 1993.
Zhejiang Tailong Commercial Bank is a formal joint-stock city commercial bank approved by the China Banking Regulatory Commission. Since its establishment, it has been focusing on "serving small and micro enterprises and practicing inclusiveness".
In 2008, Tailong Bank was rated as Grade 2B by China Banking Regulatory Commission, ranking among the top among the 65,438+024 city commercial banks in China.
Banker magazine ranked the competitiveness of China commercial banks in 2008, and among the 24 city commercial banks in China/KLOC-0, Tailong Bank ranked seventh.
Tailong Bank was rated as "Advanced Unit of Small Business Financial Services" by CBRC for three times.
The loan products of Tailong Bank include easy agricultural loans and small loans, all of which provide small loans for qualified users.
Tyrone Bank previously reported that it had encountered fraudulent loans. Pay more attention to the following points when lending.
Speaking of loans, I believe everyone is familiar with it, but if it is not necessary to lend, there is no need to lend. When there is a demand for small loans (such as ≤ 500,000), priority should be given to applying for loans from banks, followed by products of consumer finance companies, followed by small loans and online lending companies. When there is a large loan demand (≥ 500,000), the mortgage loan of the bank is preferred, followed by the products of small loan finance companies.
When borrowing money from the lending platform, be sure to ask what the annual interest rate of the product is. Because some lending platforms only display the daily interest rate or monthly interest rate, they deliberately conceal the annual interest rate, such as a cash loan advertisement: "Daily interest rate is 33,000" or "Monthly interest rate 1.5%". However, it is found that some loans have an annual interest rate as high as 460%.
Secondly, we should guard against contract loopholes. No matter whether it is a regular banking institution or other online lending platform, once the loophole of the law is exploited and unreasonable conditions are written in the contract, once it is signed, it will be very unfavorable to you, so the contract is very long but you should read it carefully. If you don't understand, you can ask a lawyer.
Finally, the repayment must be made on time, and the lawsuit should be filed in time for the case of excessive interest. Don't think that there is no problem as long as it is a bank, just say that the problem is not big, and some local banks may have problems. Everyone must be more careful when lending.
Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.
Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.
In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.
Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".