Very formal. Ping An Rongan e-loan is a product of China Ping An Insurance Co., Ltd. China Ping An Insurance (Group) Co., Ltd. was born in Shekou, Shenzhen, 1988. With the support of governments at all levels, regulatory authorities, customers and all walks of life, it has grown into one of the three comprehensive financial groups in China. Ping An Bank, one of the shareholders of China Ping An Group Co., Ltd., was established with the approval of China Banking Regulatory Commission. Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system. The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. 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 laws and regulations such as the Contract Law, General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.
2. Is it safe for BOC to finance e-loan?
Generally speaking, BOC e-loan, as a loan product of China Bank, is very formal. Choosing it as a loan is safe and reliable, and the loan interest rate is also very advantageous. However, the application conditions are higher than online loans, and you can choose according to your own qualifications.
Third, how about e-financing e-loan?
Investment is risky and financial management needs to be cautious. There are many factors to consider when choosing online loans. We should choose a platform with low bad debt rate, normal operation, high influence, standardized income and more high-quality assets.
4. Is it safe for BOC to finance e-loan?
Safe.
Please handle business in official mobile banking, business hall, online banking, Weizhong Bank and official WeChat account of branches. 1. The bank will evaluate the applicant according to various circumstances. If the conditions are rich in assets, stable work and considerable income. The loan amount applied for will also be increased accordingly to ensure the integrity and legality of the operation. 2. Different from ordinary folk loans, BOC e-loan is a product of China Bank, and its interest is much cheaper than similar products.
3. Because it is a pure credit loan, the requirements for credit investigation will be much higher. There must be no overdue records for at least the last two years. This kind of overdue includes credit cards, mortgages and various types of overdue.