Ping An Pratt & Whitney, Gitzo, 1000 installment, voluntary payment, ant borrowing, micro-loan and good loan.
At present, China's credit information system is divided into two parts, one is the central bank's credit information system, and the other is the local credit information system, both of which are led by government departments.
In these two credit information systems, the main reference is the central bank's credit information system. But even the central bank's credit information system is not perfect, only the credit card and bank loan information of the inquired person.
If we only shop in JD.COM Baitiao or Bai Hua, the consumption records will not appear in the personal credit report. "
Ali's "loan", loan information may indeed appear in the central bank's personal credit report. Alipay officials have also suggested that if it is seriously overdue, this overdue record will be reported to the central bank's credit information system.
If the loan project is used online and is seriously overdue, it will appear in the credit report and affect personal records.
There are official credit information systems of the People's Bank of China and non-governmental online credit information systems. Most online loans are not in the People's Bank of China, but they are all online credit information systems. An online lending platform has loans or overdue, and other platforms can also see it. Then, those who are seriously overdue will enter the blacklist of Internet credit information and bear corresponding legal responsibilities.
Your overdue behavior seriously affects your handling of other kinds of financial business. Overdue will also affect personal credit. Although it is not clear whether it will be reported to the central bank for credit information, it is still risky to fail to repay on time.
For platforms that don't check credit information and don't need credit cards (enjoy low-interest loans), your current overdue will basically have no impact, because they don't look at your credit information records, and directly rely on all kinds of information on the mobile phone to make a big data reference to decide your approval and quota.
Online loan:
About the terms of the loan agreement
Article 10 of the Supreme People's Court's Opinions on People's Trial of Loan Cases: A loan relationship formed by one party by fraud, coercion or taking advantage of a person's danger in violation of its true meaning shall be deemed invalid.
Article 11 of Several Opinions of the Supreme People on People's Trial of Lending Cases: Lenders know that borrowers borrow money to engage in illegal activities, and their lending relationship is not protected.
Provisions on providing guarantee for loans:
Article 198 of the Contract Law stipulates that when concluding a loan contract, the lender may require the borrower to provide a guarantee. The guarantee shall comply with the provisions of the Guarantee Law of People's Republic of China (PRC).
What are the credit reports of online loans?
One,
1, products of first-tier Internet companies:
Online business loans, JD.COM gold bars, micro-loans, loans, Baidu's money, Suning's free payment, Netease's small loans, etc.
2. Loan credit card repayment type:
Laka loan, provincial loan, card loan, small win card loan, repayment, etc.
3. Commercial bank products:
Ping An I Loan (Ping An Bank), Qian Bao Loan (Rural Credit Cooperative), Mobile Phone Loan (Rural Credit Cooperative), Resume Loan (Bank of Beijing), Baiqian Finance (Harbin Bank), Sui Xin Loan (China Bank), etc.
4. Other lending institutions: student loans, cash loans, second-rate loans, pea money, thousands of dollars, cash loans for trust and wealth, fast loans for Zendai, Star Money Bag, Anjiapai, Flash Bank, Gitzo, 2345 Loan King, etc.
Second, the relevant content of credit investigation
1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēngxìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
2. Credit information records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
3. Credit information can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality and a basic principle of communication with people.
What loan platforms are used for credit reporting?
First, Ant Financial Service
Its credit lending includes loans and online business loans, and some users of Huayuan can obtain credit information.
Second, Gitzo Consumer Finance
Its subsidiaries include Gitzo Fu Bao, Gitzo Super Loan and Gitzo Consumption Stages. 3. Ping An Pratt & Whitney.
Its subsidiaries include Ping An I Loan, Oxygen Loan and Home E Loan.
Third, Weixin Huizhi Finance
Its subsidiaries include WeChat Credit Card, Doudou Money, Star Money Bag, Yue Le Flower Shop and Beauty Club.
Fourth, immediately consume finance.
Its subsidiaries include instant loans, job enjoyment, horse staging, comfortable flowers and so on.
Verb (abbreviation of verb) 360 Finance
It has 360 IOUs and so on.
The intransitive verb Bank of China Consumer Finance
Its subsidiaries include Xinyi Loan Micro-loan, BOC Consumer Wallet, Sina Loan, Sina Loan and Lexiang Loan. Seven, Baifubao Technology (Baidu Wallet)
It has Baidu Qianhua, Baidu Education Staging and Baidu Decoration Staging.
Eight, Gome
It has American loans.
Nine, China Post Consumer Finance
It owns China Post wallet, fast loan and so on.
X. jingdong finance
It owns JD.COM gold bars and so on.
XI。 Qianhai Weizhong Bank
It has small loans and so on.
Twelve. Zhaolian consumer finance
Its subsidiaries include Zhaolian Owner Loan, Zhaolian Consumption Staging, Good Term Loan, Credit Payment and Qihua.
Thirteen. Lacarra
It owns Lakara Easy Staging, and Lakara will wait for you.
Fourteen Suning finance
It has Suning's willingness to pay.
Fifteen, rural credit cooperatives
Including Qian Bao and mobile phone loans.
16. Huarong Consumer Finance has a credit wallet.
Seventeen, Yin Bei consumer finance has resumed loans.
I. Bank loans
Undoubtedly, all bank loan records will be uploaded to the credit information system, including consumer loans launched by banks, such as lightning loans of China Merchants Bank.
Second, joint loans.
Due to the limited funds of small lending institutions, they often lend money together with banking institutions. Because the loan funds include bank funds, such loans will also be submitted for credit investigation.
For example, before Alipay Ant borrowed money to upgrade, the funds were provided by the small loan institutions under Ant Financial. After the upgrade, a number of banks were introduced to jointly lend money. In the loan interface, you can see that lenders include other banks such as Shanghai Pudong Development Bank, and then ants borrow money. Also began to collect credit information.
Three. Other loans
Although some loans are not bank loans or joint bank loans, they will still receive credit information. As the number is too large to list one by one, you only need to pay attention to whether the loan contracts and agreements at the bottom of the page are authorized to upload the loan records to the credit information system of the People's Bank of China before applying for loans.
What are the online loans for credit reporting?
At present, there are many online loans related to credit investigation, such as spending money to buy, ant lending, micro-lending, JD.COM gold bars and so on.
Extended data:
Have money to spend:
Rich Flower APP is a big brand of Baidu credit service, which can meet the capital demand of daily consumption turnover. Pure online application, no mortgage, simple application materials, the fastest 30 seconds for approval, the fastest three minutes for lending, and the highest 200,000. A number of product lines have been laid out, including "Money Spend-All Easy Loan", "Money Spend-Enjoy Loan" and "Money Spend-Short Term Loan". The scene has covered daily consumption, medical beauty, education, renting, mortgage and so on. , and can be accurately matched according to the user's loan demand, providing users with reliable credit services.
Alipay-Ant Borrow:
Borrowing is an Alipay loan product. According to the user's sesame score, the loan amount is different. The longest loan period is 12 months, and the daily loan interest rate varies from person to person. The daily interest rate is mostly between 0.03% and 0.045%, which can be repaid by borrowing.
Wechat-Microfinance:
After WeChat launched micro-loans, many WeChat users were relieved. However, microfinance is only open to some users. Wechat will review the comprehensive qualifications of users, and those who meet the requirements can be invited. Users are not supported to take the initiative to apply for small loans.
JD。 COM- gold bars:
Many users in JD.COM have been using JD.COM Gold Bar since it was listed in March 2065438+2006. The loan amount is relatively high, with a maximum withdrawal amount of 200,000. You can also borrow it and pay interest on a daily basis, which is very convenient.
Online loan application conditions:
1. The online loan association requires applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.
2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require applicants to have good sesame credit, but different loan products have different standard requirements for sesame credit scores. General applicants need to reach about 500% or 600%.
3. Personal credit: Some online loans need to be checked, and some don't, but overall, the applicant's personal credit is good.
4. Other conditions: online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.
Of course, different online loan products may have different situations, and the actual situation is subject to the product page display.
What are the online lending platforms for credit reporting?
Shangxin's online loan has the following platforms:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.
What are the online loans for credit reporting at the meeting?
In fact, it is more convenient to find a loan platform than a bank. First of all, these online lending platforms are not as strict as bank audits. Secondly, if some online loans are accidentally overdue, they will not easily grant credit. So what online loans will be collected at the meeting?
At present, some large loan platforms are almost all credit information, such as Ping An I loan, installment music, micro-loan, loan treasure, savings loan, 2345 loan king and so on. If you are not sure whether this online lending platform is a credit report, you can read the loan regulations of the platform carefully or consult customer service. But now more and more online loans have begun to receive credit information, and the interest rate of online loans with credit information will be lower than other loans. As long as the repayment is made on time, the impact is actually not great.