Banks that lend to SMEs include Mo Long, Agricultural Bank and China Construction Bank. Mo Long is recommended as a loan with good performance and quick loan. 1 day unsecured loans can be released as soon as possible, and apartments and stores can also apply for loans within 2 hours at the earliest, which is worth choosing.
How to judge the loan business of a bank;
If you choose a commercial loan, you should first look at which bank has the preferential interest rate, the maximum loan amount and repayment period of the bank, and then see if you have the loan conditions of the bank, but you need to meet all the requirements stipulated by the loan bank. If you choose provident fund loans, you can't choose your own banks, because all banks are designated and the interest rates of provident fund loans are basically the same. As for the amount of provident fund, it depends on the proportion of lenders paying provident fund, the payment period and so on. If the deposit amount is high, the maximum loan can be 500 thousand. Different loans, loan conditions are different, and the loan interest rate and term are also different. We can't simply think which bank's mortgage is cost-effective, or which bank's mortgage is good.
For more information about the loan, please consult Moore Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.
What are the lending institutions? What are the lending institutions?
Lending institutions include various banks (state-owned banks, foreign banks and private banks), companies, guarantee companies, finance companies, financial leasing companies, pawn companies, insurance companies with loan business and professional loan companies. These are all related contents of lending institutions.
Specific introduction of lending institutions
I. Banks:
1. Commercial service banks: Generally, commercial service banks only lend money in a short period of time, and the next payment period does not exceed one year;
2. City banks: mainly because local farmers, agriculture and animal husbandry and agricultural economic development trends provide financial services;
3. Preferential tax policies Banks: Generally, they give preferential treatment in terms of loan operation scale, term and annual interest rate.
Second, the theme financial company:
1. Auto finance investment company: financial and non-bank financial enterprises that buy cars and serve customers for lenders;
2. Consumer credit enterprises: non-bank financial enterprises that provide transactional loans to individuals.
Third, private lending institutions:
1. Small loan enterprise: it does not absorb the savings of the masses, has the assets of an independent legal representative, and bears legal responsibility for its creditor's rights and debts with all its assets;
2. Pawning company: an informal marginal financial enterprise with an alias of pawning and issuing pledged loans.
Four. Non-bank financial institutions:
1. Loan enterprise: A loan enterprise is a limited liability company enterprise fully funded by a regional commercial service bank or a rural cooperative bank;
2. Insurance companies: loans brought by insurance companies;
3. Agency bookkeeping companies: most of them are subsidiaries of commercial service banks, which digest and absorb savings and issue loans;
4. Trust is a financial product with variable loan interest, which is generally affected by the financial requirements of investment.
This article mainly writes about the relevant knowledge points of lending institutions, and the content is for reference only.
What are the domestic financial loan companies? What are the platforms with high pass rate?
What are the domestic financial loan companies?
1, BOC e-loan
The consumer credit loan products launched by China Bank can be applied online in the whole process. The maximum loan amount is 300,000 yuan, and the validity period of the loan amount is 12 months. Applicable to calculating interest on a daily basis, and paying it back while borrowing. The annual interest rate of loans is generally around 4.35%. The actual credit line and annual interest rate are subject to the results of system software audit.
2. ICBC Financial Electronic Loan
ICBC Bank issues personal credit loans to eligible lenders and applies online for 724 hours. The loan amount ranges from 600 yuan to around 800,000, with the longest loan term of 3 years and the lowest annual loan interest rate of LPR 0.5%, which is upgraded monthly.
3. Fast loan from China Construction Bank
A full-process online self-help loan launched by CCB can be divided into two types: personal credit quick loan and personal credit quick loan. Personal credit fast loan is an unsecured, unsecured and pure personal credit application. The loan amount ranges from 65,438+0,000 yuan to 200,000 yuan, with the longest loan term of 36 installments and the annual interest rate of at least 4%.
4.ABC Network Dai Jie
The consumer credit loan launched by Agricultural Bank of China has a maximum loan amount of 200,000, a loan term of 1 year, and the longest loan term for consumers in the scene is 5 years. The annual interest rate of the loan can at least enjoy the LPR quotation for the same period. You can download the ABC Pocket Bank for free and apply when you enter the loan-online loan.
5. Convenient loan from Bank of Communications
Bank of Communications does not need to prepare materials in advance to launch personal credit loans. It is purely a personal credit application on the mobile phone, and the system is audited. The maximum loan is 200,000 yuan, which can be divided into 36 installments at most. The minimum annual loan interest rate is 4.32%. There are no other fees for applying for the credit line, and there will be no loan interest if it is not mentioned now.
6. Guangfa e-second loan
GDB launched personal credit loan, applied online all the time, and the system software was audited in time. The maximum loan amount is 200,000 yuan, the minimum annual loan interest rate is 4.8%, and the longest loan period is 3 years. Interest can be calculated on a daily basis, and loans can be repaid while borrowing.
7. Puyin Integral Loan
Shanghai Pudong Development Bank has launched online credit loans and applied online, which can be used at any time during the whole process, free of all service fees. The maximum loan amount is 300,000 yuan, the longest loan period is 5 years, and the minimum annual interest rate of the loan is generally 4%. The actual audit shall prevail.
8. Everbright's fast loan
My credit loan is controlled online all the time, which is suitable for borrowing and returning with ease of use. The maximum credit line is 200,000 yuan, the longest loan period is 36 months, and the minimum loan annualized interest rate is 4%. Loan repayment methods include equal principal and interest repayment and monthly interest repayment.
9. Minsheng Bank promotes flash loans.
For pure credit loans applied online, the maximum loan amount is more than 200,000 yuan, and the minimum annual failure rate is 5.5%. It is suitable for borrowing and returning, and the interest is calculated on a daily basis. It can be repaid in advance without any additional service charge.
10, e-loan from China Merchants Bank
Credit loans issued by China Merchants Bank to bank credit card holders can be applied online through China Merchants Bank Pocket Life, and the system software will immediately review the next payment. The loan can be divided into 36 months at most, and the annualized rate of the loan converted by installment interest is between 0%- 18%.
What are the platforms with high pass rate?
1, 360 IOUs
360 Financial Group's pure personal credit micro-loan is especially suitable for wage earners to apply. Although the loan interest is higher than the bank loan, it is better than the pass rate, and the credit line is 50,000-200,000. This product was launched in September, 2065438+2006, which requires higher personal credit information of borrowers. If you have a bank credit card and personal social security, the application pass rate is higher.
2. Recruit good loans
Zhaolian is a financial enterprise approved by China Banking Regulatory Commission, mainly engaged in trade loan business. As a popular commodity, long-term loans will naturally attract a lot of attention. The application standard for a good loan is very simple, as long as 18 (inclusive) -60 (inclusive) has a good job and a fixed income; Or full-time students aged 18 (inclusive) -30 (inclusive) with college education or above can apply. If you have a mortgage, car loan or bank credit card, and your personal credit record is excellent, then your application will be easier to pass and you can get a higher quota.
3. CCB Express E Loan
As long as I have good credit and certain funds, it is best to have housing loans or financial investment savings in CCB, which has a high success rate. The most important thing is that the loan interest is very low, and it also provides interest.
4. Arbitrary loans
Everyone should have a deeper understanding of Suning's discretionary payment. Both discretionary loan and Suning discretionary payment belong to Suning Financial Group. If you are a daily active user of Suning's financial industry, you can get a discretionary loan amount if your loan qualification and personal credit meet the requirements.
What are the formal lending institutions?
Common formal lending institutions are:
1. Banks: China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank, China Postal Savings Bank, China Minsheng Bank, China Everbright Bank, China Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, Industrial Bank, etc.
2. Companies: Merchants Loan, Small Win Loan, Minsheng Small Loan, Jinshang Company, Shenzhen Company, China Merchants Small Loan, China Merchants Loan Company, China Company, China Merchants Loan Co., Ltd., etc.
3. Internet financial institutions: pat loan, pleasant loan, cash white card, peanut rich, home of online loan, which network to invest in, pat loan, money-loving, online loan bus, online loan treasure, etc.
4. Private loan companies: China Merchants Loan, China Merchants Loan Company, China Company, China Merchants Loan Co., Ltd., China Merchants Loan Company, China Merchants Loan Co., Ltd., China Merchants Loan Co., Ltd., etc. I hope my answer can help you, and I wish you a happy life.
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.