Sunshine credit is a company with higher interest than bank loans, and it is a regular company.
Which bank lends sunshine loan?
The lender of Sunshine Loan is Everbright Bank.
Sunshine company's business includes: handling all kinds of; Handling financing consultation; Handling the development, management and financial consultation of small and medium-sized enterprises; Other businesses approved by the competent department of industry.
Sunshine Loan is an unsecured credit loan product jointly launched by China Everbright Bank and China Ping An Property Insurance Co., Ltd. It is a new unsecured loan product jointly launched by China Everbright Bank and China Ping An Group, and it is a credit guarantee product for ordinary residents. As long as they meet the requirements, they can apply for the loan issued by China Everbright Bank (10000- 15000), with the loan term of 12-36, paid in full, without mortgage or guarantee, with simple procedures, flexible term and quick approval. Student-origin credit student loan: refers to the student loan issued by financial institutions such as China Development Bank to eligible freshmen in colleges and universities and students with financial difficulties, and applied by students and their parents (or other legal guardians) to the student financial assistance management center or financial institutions in the county (urban area) where the students are studying, so as to help the students with financial difficulties pay the tuition and accommodation fees required during their studies at school. Student-origin credit loan is a credit loan, which does not need guarantee or mortgage. Students and their parents (or other legal guardians) are the same borrower, and both parties are liable for repayment.
Sunshine loan generally refers to a standardized, standardized and transparent credit business management model introduced by credit cooperatives on the basis of comprehensive rural credit planning, combined with the current rural economic situation and financial development characteristics, as well as the actual operating conditions of rural credit cooperatives. As the name implies, its purpose is to make credit benefit farmers like sunshine, from loan application to loan personnel service to loan issuance, in order to solve the problem of farmers' difficulty in lending and lack of funds in the production process, and to control credit risk from the source through the "sunshine" of loan process. At the same time, Sunshine Loan also implements a series of preferential measures for high-quality customers, such as unsecured and simplified mortgage procedures. Let them feel the benefits of maintaining credit and repaying on time, which will help to cultivate a good credit environment.
Specific processing procedures:
First, farmers need to cooperate with the household survey of credit cooperatives and truthfully provide information about their operations and income;
Second, the sampled farmers need to fill in the back-to-back farmer questionnaire truthfully;
Third, credit cooperatives publicize the credit line of farmers. If the credit line granted by farmers to themselves or other farmers is meaningful, it can be directly reported to the local credit cooperatives or county credit cooperatives, or feedback by telephone;
Four, after receiving the "sunshine credit notice" served by the credit personnel, farmers need to contact the credit cooperatives in time, go through the relevant procedures and obtain a letter of credit. The information to be provided includes the identity cards of farmers and their spouses, marriage certificates, certification materials of business projects, identity cards of guarantors and other relevant information required by credit cooperatives.
Five, after handling the credit formalities, farmers who need loans can bring their ID cards and letters of credit and go directly to the credit cooperatives to handle the loan formalities. On call, convenient and fast.
Is sunshine credit loan reliable?
Sunshine credit is reliable.
Sunshine credit means that banks put the whole process of customer's loan investigation, credit granting, pricing, operation process and public commitment service under the effective supervision of the public and banks.
Except for one thousandth of accident insurance, everything else is illegal. So people who don't know will be more painful. There should be many people who think that the interest rate is high and the basic interest rate of unsecured credit loan companies is the same.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Is sunshine credit a regular company?
This is a regular company.
1. Sunshine Credit means that banks put the whole process of customer's loan investigation, credit granting, pricing, operation process and public commitment service under the effective supervision of the public and banks;
2. Let customers know about the bank's loan process, and at the same time let the bank know about the customer's operating conditions;
3. A brand-new loan method to enhance the mutual trust between banks and customers;
4. Make public the basic information of service content and improve service facilities;
5. Establish a duty system and employ social supervisors;
6. Establish a reporting reward mechanism and a punishment mechanism.
Does anyone know that Sunshine Credit can be trusted?
cannot
Expired flower buds mainly have the following three effects:
1. Function restriction: the function of the flower bud will be directly restricted after the flower bud is overdue, and whether it can be restored after subsequent repayment will be evaluated irregularly by the system, and manual intervention is impossible.
2. Negative records: the corresponding overdue negative records will be submitted to Sesame Credit after the deadline, which will affect Sesame Score.
3. Overdue interest: overdue repayment will generate corresponding overdue fees, which are 0.05% of overdue days of overdue principal.
4. Tmall is overdue for 7 days, so it is temporarily unable to sign or pay for the use of ant flower beds. On the contrary, after the user's ant flower garden was overdue for 7 days, the installment purchase was not paid (the installment purchase was not signed independently). The overdue amount of the user will return to normal after repayment.
After the user's Tmall installment or ant flower garden is overdue for 30 days, all products cannot be signed or paid, and consumer credit products such as ant flower garden and Tmall installment cannot be used permanently. It has no effect on your bank card and ID card.
5. But as long as there is money in your bound card, it will be deducted immediately.
6. The overdue record of the flower bud will be submitted to Sesame Credit, which will affect the sesame score and the subsequent use of the flower bud function may be affected. Please pay back on time. Bad credit caused by non-repayment will enter the personal credit information system, which may affect subsequent loan business.
7. Regarding the issue of electronic payment, it is recommended to consult the payment platform. In this case, you can complain to the payment platform or to the administrative department for industry and commerce. If the electronic payment involves a large amount, consumers are advised to report the case directly to the public security organ.
8. Pay attention to the protection of personal information when using electronic payment. Electronic equipment should be disinfected regularly to prevent property losses caused by information leakage.
9. But Bai Hua is also a pro-credit, so you can return it if you have enough funds.
10. Alipay ant flower buds do not repay. First of all, of course, your personal credit rating will decline. Every financial system has a credit rating system. Once the institution finds that there is no repayment, personal credit will be downgraded in the system.
There are three repayment methods for ant flower buds: the first method: repayment through Alipay interface. Log in to Alipay official website, and click the "View" button in the "Ant Flower" column of the "Personal Alipay" interface. From the opened "Ant Flower Garden" interface, you can view the "Download Repayment Amount" and click the "Repayment" button to make quick repayment through account balance, balance treasure and debit card.
1 1. The second way: pay attention to the "ant flower garden" through the function of "Alipay" wallet sweeping, and realize the repayment operation.
12. The third method: automatic deduction. Deposit all repayment funds into Alipay account balance, balance treasure and debit card. When the shopper receives the goods before the next month 10, he will automatically deduct the money from the above account in turn.
Are sunshine loans all lies?
Yes, the interest rate of loans is very high, several times that of banks, and there are many ways to deduct money, unlike the formal loan platform. I suggest you find a formal loan platform or go to a bank for a loan, so that your personal rights and interests can be guaranteed. For example, China Merchants Bank has a lightning loan business. At present, it can only apply through mobile banking, or check whether it meets the application conditions. If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in "My → All → My Loan → My Lightning Loan". The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
List of formal lending platforms:
1, Baidu has money to spend
Download Baidu Qianhua app is a financial product of Baidu wallet. The application focuses on personal consumption finance. The consumer loan scenario is mainly aimed at people who need to participate in various trainings at their own expense to improve their skills. In the education credit business, the long-distance long-distance pre-loan service was launched to provide high-quality and reliable loan services for users who are willing to receive education throughout the country, helping more people realize their self-worth. To provide you with convenient, fast and reliable loan service, you only need to fill in your identity information, and you can get the loan amount 30 seconds after submitting the materials, up to 200,000 yuan. You need to borrow money at any time, there is no default in prepayment, and you can flexibly choose to repay by installments.
2. Alipay borrows money
Download the latest official version Alipay is the mobile payment platform with the largest number of users in China. It not only has the balance treasure, but also has the functions of credit card repayment, transfer, payment, collection and payment, so that you can spend it in any store in the country with your mobile phone. Now some overseas countries also support Alipay.
3. Rong 360 (original 360 IOU)
Download Rong 360 is the authoritative financial expert you carry with you and the number one vertical financial search service platform in China. Bring you all-round and accurate financial services, quickly handle loans and overdraft card, purchase investment and wealth management products, and inquire about personal credit reports of banks and nearby banks. The application of Internet big data, retrieval and other technologies makes the financial products of thousands of financial institutions vividly displayed in front of customers. At present, it has cooperated with nearly 10000 financial institutions, including 30000 financial products. Release "Secret" Internet Big Data Risk Control —— According to the data analysis, the system software will score the customers who apply for loans according to three levels: identity verification, repayment intention and repayment ability, and make loan suggestions for the cooperation platform according to the score.