Definition of credit loan terms
Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks. Credit loan business is mainly handled by banks, loan companies and electronic financial institutions. Banks with credit loan products in China include China Merchants Bank.
Citibank, Standard Chartered Bank, Ping An Bank, Bank of Ningbo and so on. Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loans of loan companies are around 200,000-300,000, and some interest rate loan companies are commonly known as usury.
This kind of product is characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the advertised interest rate. Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending.