According to our investigation and observation, it is found that so many companies in China are registered in Chongqing. Many people are curious, why do they choose Chongqing? What kind of magic does Chongqing have that makes so many companies choose them?
In fact, some well-known brands, such as JD.COM, Ant, Xiaomi and Baidu, have set up online small loan companies in Chongqing, not to mention those little-known and various small loan companies. It can be said that the small loan company in Chongqing is the first in the country.
In fact, so many small loan companies choose to live in Chongqing for two reasons. The first reason is that Chongqing opened its national business outlets very early and issued a small loan license. Many small loan companies in Chongqing were basically established in 20 15, while some companies in other regions were established in the first year of 16, so Chongqing is ahead in this respect. Under normal circumstances, such a giant company will not change a location of their company at will.
Second, the registered capital of Chongqing is at a medium level, so the registered capital of investment is very small and the leverage is very high. Now Chongqing can achieve the highest leverage except Hainan, which means that if you register with the same funds, you can issue more loans in Chongqing and realize more profits for them.
In a word, this kind of loan company will not do us much good, but will pull us into a deeper trap, so don't use this kind of loan unless you have to, the company should make money by itself. After all, it is not a long-term solution to rely on this kind of company, otherwise you can't expect pie to fall from the sky, and there will be no pie in the sky.
Which loan company is better?
Provide many types of choices and make the following suggestions:
I. National Bank
Reason: If the loan company is good, it must be formal. If you can do it yourself, in banks and the like, companies with relatively safe loans and less interest can do it.
Second, the connection of Beijing loan.
Reason: Beijing Yi Rong (Beijing Credit Link) feels quite good. I have worked in their home several times, and the cooperation is very pleasant. The cost is low, the service is good, and the problems in the later stage of the loan are also planned, which can save a lot of heart.
Third, love money cats.
Lucky Cat is a national loan platform, which can provide credit loans, mortgage loans, car mortgages and so on. For office workers, self-employed people and people without fixed jobs. In addition, black households with bad credit and white households without loan records all apply for loans through the love of money cats.
Fourth, there is money to spend.
Qianhua, formerly known as "Baidu Qianhua", is a credit brand owned by Du Xiaoman Finance, providing users with safe, convenient, unsecured and unsecured credit services. Money is easy to borrow and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Extended data
Loan companies are related to personal safety and interests, and must treat every customer according to legal operation. The loan market has become a hot industry in recent two years, and various financial loopholes have appeared frequently. So if you want a loan, you must find a formal loan company. In a loan company, you need the following methods to choose a formal and safe loan company.
First, confirm their qualifications.
Not all enterprises can open a guarantee company. The premise of the establishment of a loan company is to have a license. In the process of applying for a license, the license will be issued through the selection and strict examination of relevant departments and governments. Therefore, before handling the loan, try to see whether the enterprise has a business license of a financing guarantee institution with a red seal, and check the authenticity online.
Second, is there a fixed workplace?
Loans have become a common financing method, so many people use loans as a gimmick, but there is no basis. Therefore, when looking for a loan company in Wuhan, it is necessary to ensure whether its company has a formal office space and contact telephone number. At the same time, it is necessary to pay attention to whether the office space is newly established, and the new address and the established company can be seen at a glance.
Third, the establishment period of the enterprise.
The reason why we look at the establishment period of an enterprise is to see whether the loan company has strength and credibility, not the newly established loan shell. In general, the longer a loan company is established, the more skilled it will be in business operation, and the stricter the loan business assessment will be, so the reliability of such a loan company will be relatively high.
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, be able to pay it off in one lump sum, and have 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.
Top 10 formal online lending platform.
The top 10 formal online lending platforms are Lending Bao, Micro-loan, Qianhua, China Post Wallet, Today Headline Lending, Meituan Life Consumption, Zhaolian Good Loan, JD.COM Gold Bar, Suning Finance and Ping An I Loan.
First, a better online lending platform
1, excuse me
I believe everyone already knows that Lending Bao is a credit service brand under Alipay, with a maximum loan amount of 300,000 yuan and a daily loan interest rate of 0.0 15%-0.06%.
Borrowing white money is an invitation system, and you can only borrow white money after being invited. The opening condition is that the sesame score reaches 600, and Alipay has a real-name registration system. Sesame points are mainly based on the user's identity information, credit status, personal connections, repayment ability and so on.
2. Microfinance
Micro-loan is an Internet loan product launched by Tencent Weizhong Bank. The loan interest is calculated on a daily basis, and the daily loan interest rate is 0.02%~0.05%. Microfinance, like borrowing, is also an inviting way to open. Users can only use the loan if they are invited to micro-loan. Users can check whether there are micro-loans in qq wallet or WeChat Jiugongge.
Step 3 have money to spend
Qianhua is a credit product of Xiaoman Finance, which provides personal consumption credit services to the public. Rich flower owners promote all-easy loans, with the maximum amount of all-easy loans of 20,000 yuan, the daily interest rate of rich flower owners-all-easy loans as low as 0.02%, and the lowest loan interest rate of 1 1,000 yuan, starting from 2 yuan every day. At the same time, when applying, you must ensure the authenticity of the information you provide, and ensuring good credit information is also a necessary condition for obtaining a better quota.
Second, the conditions that online loans need to meet are:
1. The borrower can provide an ID card.
2. The borrower can provide a residence permit.
3. The borrower is over 18 years old and has full capacity for civil conduct.
4. The borrower can provide personal bank flow.
5. The borrower can provide asset certificates required by other lending institutions.
6. The borrower shall verify the mobile phone number.
7. The borrower can provide proof of the purpose of the loan.
There are more and more online lending platforms, and it is more and more convenient to borrow money, but it also leads to more and more overdue people. Many friends are helpless in the face of collection. After all, they owe money first and make mistakes first. Even if you want to negotiate repayment, it is often fruitless. In fact, negotiating repayment is also skillful. Using some negotiation skills, the effect may be much better.
Number of companies with national loan licenses
Number of companies with national loan licenses
According to the statistics of China Association, as of 20 19 12, there are 1 137 companies in China with loan licenses, of which the number of licensed institutions is 105 1, and the remaining 86 companies are filing institutions.