Henan Zhongyuan Consumer Finance Co., Ltd. is the only licensed consumer finance institution in Henan Province approved by China Banking Regulatory Commission.
; 1. Peer-to-peer lending refers to direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. As a new lending platform in peer-to-peer lending, loan companies usually operate online, so they can operate at lower management costs and provide cheaper services than traditional financial institutions.
Second, 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.
Third, peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. 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 the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
Fourth, online credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.
Which online loan app is Henan Zhongyuan Consumer Finance?
Zhongyuan Consumer Finance is a licensed consumer finance company, not simply an online loan product. Henan Zhongyuan Consumer Finance was initiated by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd., which is also the first consumer finance company in Henan. In addition, the company's fund-raising flowers are the online loan products we understand. The application process is purely online, and offline signing is not required.
If you need a loan, it is recommended to handle the loan business through formal channels for financing.
Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear.
The loan amount for applying for NetJet is 30-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows:
(1) The borrower logs into the online channels designated by the bank (personal online banking and pocket banking) and enters the "Netquick Loan" application interface.
(2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan.
(three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc.
(4) The system verifies the validity of the mobile phone number.
(5) Signing the Power of Attorney for Personal Credit Business online.
(six) to confirm the loan information, the amount and purpose of the loan application.
(7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application.
Use of NetJet loan:
(1) Netjet loan business is used for personal consumption purposes and shall not be used for purposes prohibited by relevant national laws and regulations and credit policies.
(2) NetJet loan is sent in cash.
What is consumer finance, and how about eliminating money in the Central Plains?
Consumer finance is a modern financial service model that provides consumer loans to consumers at all levels. Whether from the perspective of financial product innovation or expanding domestic demand, consumer finance pilot has positive significance.
Zhongyuan Consumer Finance is a national non-bank financial institution approved by China Banking Regulatory Commission and initiated by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd.. There are mainly two kinds of consumer loan products, one is to withdraw money, and the other is to repay in advance.
Extended data:
Zhongyuan consumer finance adopts a combination of online and offline business models, online loans and offline loans.
First, raise money to spend:
It is a pure online consumer loan product, that is, online loan. There are several loan models in cash withdrawal, such as "elite loan, provident fund loan and UnionPay business-cash withdrawal", and their target customers are different:
1, elite loan, mainly providing loan services for high-quality enterprise employees.
Elite loan is a loan product tailored by Zhongyuan Consumer Finance for office workers. The amount can reach 200,000 yuan, and the interest of 1 1,000 yuan is as low as that of 2 yuan.
Product features: Central Plains Consumer Finance Elite Loan bears interest on a daily basis, paying interest first and then repaying the principal, withdrawing money at any time for 7X24 hours, and successfully applying in 5 minutes at the earliest.
2. Provident fund loans mainly provide loan services for customers who deposit provident fund.
Provident fund loan is a loan provided by Zhongyuan consumer finance for friends with provident fund. You will have the opportunity to apply for the provident fund after it has been paid 12 months.
Product features: Zhongyuan Consumer Finance's provident fund loan supports recycling within one year, and the interest is calculated every day.
3. UnionPay business-cash withdrawal, mainly providing loan services for customers with credit cards.
UnionPay Business-Raising Money is a loan product provided by Zhongyuan Consumer Finance for credit card users. The amount is as high as 200,000 yuan and the monthly interest rate can be as low as 0.75%.
Product features: Pay attention to UnionPay business, Tiantianfu WeChat official account and APP, and you can apply. The better the credit, the lower the interest.
4. Leju loan
Leju loan is a loan product provided by Zhongyuan consumer finance for homeowners, with a relatively high amount and installment repayment.
Product features: Only customers can apply for mortgage stocks, which can help house slaves get out of trouble.