The loan from the loan company is unreliable.
It is best not to touch the loan companies, especially the platform of online lending, because online lending is harmful, not only the interest is high and the amount is low, but also it is easy to get stuck in online lending, that is, the rhythm of robbing Peter to pay Paul will never end.
It is also because the threshold for online lending is low. You can apply for a quota by filling in the basic information online, and the quota is usually several thousand dollars. How many platforms do I have to apply for to make up 10 thousand? Overdue repayment has also become complicated.
Online loans will also have the same shield data, which will affect your credit. It is easy to get into the blacklist of online loans if you apply more. Many people don't know the harm of online lending, but only know that online lending is fast and convenient, but please remember that behind the speed and convenience, you also need to pay a certain price.
Taking out a loan with an ID card is like a pie in the sky. It's all pits. It's not that easy. This kind of loan is actually similar.
It's all well publicized You can borrow as much as you want with your ID card. If you believe it, it can only show that your loan awareness is too weak.
Is the loan from the loan company reliable?
Formal loan companies are more reliable. Formal loan companies must have relevant lending qualifications and licenses, and are non-bank financial institutions permitted by law and approved by the industrial and commercial departments. China defines a loan company as a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks according to relevant laws and regulations and approved by China Banking Regulatory Commission, which provides loan services for county farmers, agriculture and rural economic development.
Microfinance
I. Review risks
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Second, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;
(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.
Is the loan company reliable?
Formal loan companies are still relatively reliable.
The advantage of the loan company is that the loan speed is fast, and the loan information will not be included in the credit information system.
1, with fast lending speed.
The bank's audit process is strict and complicated, while the lending institution is the opposite, and its high efficiency undoubtedly improves the lending speed. So friends who are in urgent need of money can consider applying for loans from such institutions.
2. Lending information will not be included in the credit information system.
Although the credit information system is becoming more and more mature, it still needs to be improved. The reason is that all credit transactions between borrowers and lending institutions other than banks will not be recorded in the credit information system, and naturally they will not be reflected in the credit information report. This means that the borrower's debt and overdue behavior not only enjoy full "privacy", but also help the borrower to borrow from other institutions again.
Loan companies also have some shortcomings, such as high loan costs and many loan scams. Due to the low application threshold, small loan companies naturally bear relatively large loan risks. In the loan industry where risks are turned into profits, the interest charged will naturally be higher than that of banks. However, it is worth noting that the charging standards among small loan companies will also be different, and shopping around is still king for borrowers.