First, how to judge whether the loan company is formal?
1. There is evidence to check.
The business license name of a regular microfinance company must contain the words "microfinance", and the borrower can log in to the enterprise credit information publicity system for verification (website: www.gsxt.gov.cn/index.html). In addition, small loan companies do not absorb public deposits, and the loan funds are their own funds. If a company absorbs deposits and issues loans, it is not a microfinance company.
2. Is the interest reasonable?
Interest must be calculated on the loan, but the interest is not unlimited. If the borrower's loan interest exceeds 4 times of the benchmark interest rate, it can be identified as usury. If the limit is exceeded, the interest on the excess part is not protected.
3. Easy to operate
Lending institutions will certainly examine the qualifications of borrowers. Only those who meet the application conditions are eligible to apply. If the lender's examination of the borrower is simple and you can apply for a loan without looking at it, then this company is worth pondering.
4. Loans before deduction
With your mobile phone number, you can borrow 0.2 million/200 thousand for 30 days without interest. If you are short of money, you can find an alphabet wallet! Interest starts at 10,000 yuan in 2 yuan, and the loan is repaid in one minute. Friends around me are using it! Formal microfinance companies lend first and then charge. Some companies charge a certain service fee before the loan after signing the contract, and there is no phenomenon of charging in advance. If the loan company asks for a fee without signing a contract or loan, the borrower can also stay away directly.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. A simple and popular understanding is that borrowing money requires interest. Through loans and monetary funds, banks can meet the needs of society for supplementary funds, expand reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Two, the "three principles" refers to the safety, liquidity and efficiency, is the fundamental principle of commercial bank loan management. Article 4 of People's Republic of China (PRC) Commercial Bank Law 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 according to the 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, issuing long-term loans, the interest rate is higher than short-term loans, and the income is good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan will not go wrong.