Yes, CreditEase Loan Company is not very reliable, because it will cheat your trust, bring you money at high interest rate, and then call your relatives and friends through your telephone records to cheat their money and damage your reputation, so CreditEase is deceptive. : 1. Easy Credit Easy Credit refers to unsecured and unsecured credit loans obtained by borrowers (i.e. college students, working-class people, poor farmers, WeChat business owners and other high-growth groups) on the P2P credit service platform of CreditEase. Here, CreditEase, as an intermediary service platform, neither absorbs deposits nor lends money, but helps borrowers to obtain credit loans from city lenders with spare money through intermediary credit review and risk control services, so as to meet the capital needs of lenders while helping borrowers obtain funds. 2. Features ① Spreading risks through CreditEase platform. Lenders will lend their money to different people, and borrowers' money will come from different lenders. Because the lender's funds are divided into multiple shares and lent to multiple lenders at the same time, the natural risk diversification advantage of P2P model greatly reduces the possibility of overall default. (2) Directly and transparently, the borrower and the borrower directly sign personal loan contracts, and know each other's identity information and credit information one by one. Lenders know the borrower's repayment progress and improvement of living conditions in time, so as to truly and intuitively experience the value they have created for others. (3) P2P lending with low threshold makes it convenient for individuals to conduct micro-credit transactions, and everyone can become a disseminator and user of credit. 3. How to deal with CreditEase's loan? (1) overdue interest and late fees are not calculated within the grace period, but after the grace period. The overdue fine is 5% of the arrears, and the interest is calculated at the daily interest rate of 0.05%. (2) If the payment is overdue once, it will be repaid immediately in a short time, which will not affect personal credit. ③ It has certain influence on abstinence. (4) If it is overdue for more than 60 days, the overdue record will be uploaded to the personal credit information system. ⑤ If loans overdue lasts more than 90 days, CreditEase will mark your credit as bad, which will affect your re-applying for a loan in the future. 4. Is CreditEase a CreditEase loan? Loan conditions: ① China citizens with permanent residence or valid residence certificate at the place where the loan is located, aged 18 -60 (inclusive), with full capacity for civil conduct; (2) Having the ability to repay the loan principal and interest on schedule; ③ Good credit record and willingness to repay, and no bad credit record; (4) You must have no bad record in the bank; (5) You can apply for a loan with a monthly income of more than 2,000 yuan.
2. Is CreditEase Loan a formal credit company? Who knows?
Where is the small loan? Be careful of future loans! It is ok to believe in a small amount!
3. Is CreditEase Loan a regular company?
These companies are equivalent to the spin-off of a company, some are responsible for recommending customers, some are responsible for financing, some are responsible for auditing, and some are responsible for collection. I think it is to prepare for listing abroad in the future, and at the same time reduce the risk. Looking at it now, the creditworthiness model is a legal gray area. Although it is not illegal, the CBRC is very opposed. If CreditEase's bad debts are too high and the capital chain is broken, then the last batch of individuals who invested will be wiped out. It's equivalent to passing a parcel.
4. Is CreditEase Loan a regular company?
Is a formal company, a comprehensive service platform of inclusive finance under Yirenmenke.
CreditEase Pratt & Whitney is a comprehensive service platform in inclusive finance under Yirenmenke, a global financial technology flagship company listed on NYSE. Committed to meeting the needs of high-growth groups such as small and micro business owners, farmers and working-class people for inclusive finance services through technologies such as artificial intelligence, big data, financial cloud and blockchain, and empowering institutions such as banks, insurance, trusts, small loans and online loans.
To provide convenient and professional loan information consulting services and credit management services for small and medium-sized enterprises and individual customers with legitimate capital needs such as entrepreneurship, management, self-appreciation and consumption, and always take serving the real economy as its own responsibility. On may 28th, 20 19, a think tank based on national conditions and policies was established with the approval of Xinhua News Agency, and it designated CreditEase Pratt & Whitney as its first research base in digital inclusive finance.
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Credit Suisse loan related information:
1, CreditEase has been working hard to get through the "last mile" in inclusive finance, and has established a leading edge in the fields of personal finance, microfinance and agriculture, rural areas and farmers.
2. Shang Tong Loan, a financial technology platform that provides real-time credit services for small and micro enterprises online, uses artificial intelligence, big data and other technologies to activate the credit value of small and micro enterprise data, and has embarked on a new road of "digital inclusive finance".
3. In order to help the poor accurately, CreditEase's public welfare agricultural aid project "Yi Nong Loan" has been characterized by low threshold, transparency and individuality for ten years, and has funded more than 27,000 rural women, with a funding amount of more than 300 million yuan, helping 35 cooperative institutions in 17 provinces.