Consumer Finance Company is a non-bank financial institution established with the approval of China Banking Insurance Regulatory Commission, which provides loans for consumers in China. For example, Gitzo Consumer Finance, Instant Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance and Shanxi Merchants Consumer Finance. There are Xiaoman Finance, Suning Finance, Jingdong Finance and so on. 、
Customers can apply for loans at the above-mentioned consumer finance institutions. Generally speaking, as long as they have good personal credit and sufficient repayment ability, they can successfully borrow money. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders.
What everyone needs to pay attention to is not to borrow money from unknown small loan companies. After all, without the approval of the CBRC, it is easy to meet loan fraudsters or loan sharks, fall into loan scams, and cause personal money losses. Consumer finance is a rapidly developing Internet finance industry. With the rapid development of Internet in China and modern people's consumption concept, it is a financial industry that does not belong to a lending platform, and it is a general term for Internet finance at present.
First, is consumer finance a company or an online platform?
Consumer finance is a unified name for the Internet finance industry. A consumer finance company was established in China through China Banking and Insurance Regulatory Commission, which issued small loans and earned interest. They don't take deposits in any form, mainly for scattered users and people in urgent need of capital turnover, and provide a kind of financial support for non-bank financial institutions. So far, there are many legal and reasonable financial companies in China, including Alipay's Huabai, Borrowing Baibai, JD.COM Gold Bar, China Bank's consumer finance, Zhaolian consumption, Suning consumption and various credit card consumption.
Second, consumer finance does not belong to any lending platform.
Consumer finance is a financial company in China. Its main business is to provide small loans, and it is not affiliated to any network platform. Consumer finance is a small loan company established with the consent of relevant state departments. It is a for-profit financial company, which mainly issues a certain amount of consumer loans according to modern people's consumption concept.
Third, the characteristics of modern consumer finance
Consumer finance is a way to provide modern consumer finance to those who need funds. Consumer finance does not specifically point to any online lending platform. It is the product of China's traditional finance moving towards modern finance. According to modern people's consumption concept and the rapid development of Internet in China, a modern consumer financial tool has emerged, which is a financial tool to distribute small amounts of money to the general public.
abstract
Consumer finance is not a specific network platform, but a product of social development, and it is also an internet finance industry in China that is more in line with people's consumption besides bank credit. Consumer finance provides a convenient financing method for young people and people in urgent need of funds. Can better serve the majority of residents.