Formal online lending platform:
1. CreditEase 20 12 launched Pleasant Loan, and 20 15 was listed on NYSE.
2. Renren Loan is a loan platform under Xinyou Jinfu, which was established on 20 10 and is one of the earliest online lending platforms in China.
3. China Ping An's platform, lufax, was established in Shanghai in September, 201/KLOC-0, and was supported by the Shanghai Municipal Government.
4. Paipai Loan was established in June 2007 and listed on the New York Stock Exchange on 20 17. It is the first online lending platform in China.
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What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and borrowing other people's money, commonly known as online lending, but some online lending is safe. It is also a formal channel. Some online loans are informal channels, just like flower quilts. These are formal channels, and the interest rate is relatively low. So if you borrow money from others online, it is also called online loan, so this kind of online loan is more dangerous. Online lending is also an informal online lending.
Borrow money on a regular basis with a purpose. For example, if I use it normally and repay it normally, then I think this online loan is normal, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may cause the destruction of your family and your own debt. What about things like this? Sometimes, blindly borrowing money will make you owe online loans, leading to family destruction. Because some of them are informal, the interest on online loans is extremely high and the profits are rolling. In the end, you can't afford it, directly.
The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going online and generating huge debts that they can't bear. But blind consumption, we should not blindly consume and compare with others.
In short, talking like blind consumption is an important reason why I owe huge online loans. Therefore, we really shouldn't blindly consume, which will have an impact on our future and cause us to owe huge debts. If you can't bear it, it will directly lead to parents' debt.
What are the regular loan companies? These people need to know.
When it comes to loans, most people are most worried about being cheated, which is human nature. After all, the purpose of applying for a loan is to solve the problem of using money. If you are cheated in the process, it will be even worse. So be sure to find a formal loan company to apply for a loan. So, what are the regular loan companies? You can have a look below.
What are the regular loan companies?
1, banking institution
Formal commercial banks were established after being examined and approved by the People's Bank of China. They have bank licenses, which can absorb public deposits and provide loans at the same time. Private banks also need to obtain the approval of China Banking Regulatory Commission and issue financial licenses before they can formally start their business.
For example, ICBC e-loan, Agricultural Bank e-loan, China Construction Bank express loan, Bank of China e-loan, Weizhong Bank micro-loan, online merchant bank online merchant loan, etc. These are personal credit loan products launched by regular banks.
2. Consumer finance companies
It is a non-bank financial institution approved by China Banking and Insurance Regulatory Commission, and holds a formal license. It carries out loan business with its own funds and does not absorb public deposits. Generally, the registered capital is as high as several hundred million yuan, and the maximum amount of consumer loans granted to individuals is no more than 200,000 yuan.
For example, the good-term loan of Zhaolian Consumer Finance Company, the revolving loan of China Post Consumer Finance Company, the new easy loan of BOC Consumer Finance, the instant easy loan of consumer finance, and the consumer loan of Gitzo Consumer Finance. The products launched by these formal consumer finance companies can be properly looked at.
3. Regular companies
In other words, a limited liability company or a joint stock limited company operating business is wholly owned by a legal person or invested by other natural persons and social organizations. The registered capital is generally smaller than that of consumer finance companies, and it does not absorb public deposits, which requires the supervision and management of relevant departments according to law.
For example, JD.COM white bars, gold bars and other credit products launched by Du Xiaoman Financial Company and Jingdong Financial Technology Company are relatively formal loans.
The above is about "What are the regular loan companies?" I hope I can help you.
What are the regular consumer finance loan companies? Look at these five
A consumer finance company refers to a non-bank financial institution established with the approval of China Banking Regulatory Commission and holding a formal license. The maximum loan amount granted to an individual does not exceed 200,000 yuan, and the loan funds can only be used for daily consumption purposes, and may not be used for car purchase, house purchase, investment, etc. So, what are the regular consumer finance loan companies? Let's take a look together.
What are the regular consumer finance loan companies?
1, Zhaolian Consumer Finance
Established by China Merchants Bank and China Unicom, two Fortune 500 companies, with the approval of China Banking Regulatory Commission, the registered address is located in Shenzhen with a registered capital of 654.38+0 billion yuan. Its good-term loan products have a maximum loan amount of 200,000, a maximum loan period of 36 months and a minimum annual interest rate.
2. Consumer Finance of Hangzhou Bank
With Hangzhou Bank as the main sponsor and approved by China Banking Regulatory Commission, it is also the first consumer finance company in Zhejiang Province with a registered capital of 1 100 million yuan. Its exclusive light loan products can borrow up to 200,000 yuan, with daily interest and the lowest annualized interest rate.
3. Consumer Finance in Yin Chang
Established by Changan Bank, Huitong Leasing and Yide Sean, among which Changan Bank is the 6th consumer finance company in China and the first officially licensed consumer finance company in Northwest China, with the maximum loan amount not exceeding 200,000 and the annual interest rate ranging from19.88% to 23.88%.
4. BOC Consumer Finance
It is a comprehensive operating company under the Bank of China. Approved by China Banking Regulatory Commission, it was established on June 20 10. It is also the first consumer finance company in Shanghai. Its new easy-to-borrow credit consumer loan product has a maximum loan amount of 200,000 yuan, and the annualized interest rate is between simple interest and transparent fee.
5. China Postal Consumer Finance
Established by seven well-known enterprises, including China Postal Savings Bank, and approved by China Banking Regulatory Commission, it is headquartered in Guangzhou with a registered capital of 3 billion yuan. A variety of loan products, such as revolving loan, extremely fast loan, owner loan and postal savings loan, were launched, with a maximum loan of 200,000, the maximum repayment in 24 installments and the lowest annualized interest rate.
The above is about "which formal consumer finance loan companies are there?" I hope I can help you.
Simply count the top ten bank credit loans, which financial loan companies are there in China?
Simply count the top ten bank credit loans, which financial loan companies are there in China?
1, Consumer Credit Company
Characteristics of the company: It was established with the approval of China Banking Regulatory Commission, and it does not absorb public deposits, with most registered capital above 1 100 million yuan. The IOU shows that the maximum credit line does not exceed 200,000, the loan business process does not belong to housing loans and car loans, and the loan assets are only used for daily transactions such as household appliances and furniture, wedding, holiday travel, culture, education and medical care. Symbolic companies include: BOC Consumer Finance, Zhaolian Consumer Finance, China Post Consumer Finance, Instant Finance and Ping An Consumer Finance.
2. Ordinary banks
Characteristics of financial institutions: specialized in loan business, able to absorb public deposits and provide various financial loan management. Loans show that for different types of loans, the maximum credit line of loans can reach tens of millions, and the longest loan period can reach 30 years. There are several mortgage guarantee methods for loans, such as credit, pledge and financial industry.
China's banking industry includes: Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of China, Shanghai Pudong Development Bank, China Merchants Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, China Everbright Bank and China Guangfa Bank.
3. Company
Company characteristics: audited and controlled by regional financial supervision departments, not absorbing public deposits, operating loan business processes, etc. The loan shows that it can not only provide trading loans for ordinary people, but also provide business loans for small and medium-sized enterprises and self-employed, with a maximum credit line of several million. The iconic companies are: Zhejiang Ideal Company, Chongqing Dumanman Company and Ant Company.
4. Financial leasing companies
Company characteristics: approved by the regional financial supervision department, it does not absorb public deposits and operates financial loans. Loan display: basically related to auto financing leasing business, including new car loan, used car loan and used car leaseback. Compared with financial institutions, the procedure is simpler and the next payment is faster. Symbolic companies include: China Enterprise Huitong International Financial Leasing (Tianjin) Co., Ltd. and Shanghai Yixin Financial Leasing Co., Ltd.
5. Auto Finance Company
Company Features: A non-bank financial enterprise approved by China Banking and Insurance Regulatory Commission, which provides financial loan services for automobile consumers in China. Loan display: according to the loan qualification standards of automobile consumers and their automobile series, the financial loan scheme is given, and the loan period is generally not more than 5 years.
The iconic companies are: Shanghai General Motors Finance Company, FAW Automobile Finance Company and Changan Automobile Finance Company. In addition, some financial institutions such as financing guarantee companies, pawn companies and regional investment management companies approved by the financial regulatory authorities can also be regarded as the category of China financial loan companies.
Non-bank loan financial enterprise
Non-bank loan financial enterprises refer to enterprises established with the approval of the People's Bank of China, generally including pawn companies, loan guarantee companies and their microfinance companies. There are mainly China Post Consumer Finance Co., Ltd., Instant Consumer Finance Co., Ltd. and Gitzo Consumer Finance Co., Ltd. These companies can generally apply for loan business processes online. The lender needs to be over 18 years old, have a fixed income, can pay it off in one lump sum, and has an excellent personal credit record. For other specific standards, see the relevant regulations of each company. Consumer credit companies supervised by CBRC will truthfully submit loan records.
What are the offline loan companies?
Hello, there are many offline loan companies, such as:
1. China Industrial and Commercial Bank: provides various loan services, including housing loans, auto loans and consumer loans.
2. Agricultural Bank: Provide various loan services, including housing loans, car loans and consumer loans.
3. Bank of China: Provide various loan services, including housing loans, car loans and consumer loans.
4. Construction Bank: Provide various loan services, including housing loans, car loans and consumer loans.
5. Bank of Communications: Provide various loan services, including housing loans, car loans and consumer loans.
6. CITIC Bank: Provide various loan services, including housing loans, car loans and consumer loans.
7. China Everbright Bank: provides various loan services, including housing loans, car loans and consumer loans.
8. Minsheng Bank: Provide various loan services, including housing loans, car loans and consumer loans.
9. Ping An Bank: Provide various loan services, including housing loans, car loans and consumer loans.
10. China Merchants Bank: provides various loan services, including housing loans, auto loans and consumer loans.
So much for the introduction of big loan companies.