Large-scale recruitment of account managers
According to public information, consumer finance of Hangzhou Bank was established in February 2065438+2005. It is a licensed consumer financial institution approved by China Banking Regulatory Commission, with Hangzhou Bank as the main sponsor, Didi, China Yintai, etc. The registered capital is 2,566,543.8 billion yuan.
Beiqing Finance has noticed that recently, Hangzhou Bank Consumer Finance is recruiting account managers on a large scale, mainly for fresh graduates. According to the third-party recruitment website, there are currently 50 recruitment positions in consumer finance in Yin Hang, more than half of which are account managers.
Hangzhou Bank's 2020 annual report revealed that Hangzhou is the main business place of Hangzhou Bank's consumer finance. The posts released this time cover Shandong, Yunnan, Yinchuan, Harbin, Xining, Wuhan, Haikou and other regions. According to the job description, the job responsibility of the consumer finance account manager of Hangzhou Bank is to actively expand and maintain product business channels; Strictly follow the customer access requirements set by the company, actively introduce customers and do a good job in customer management; Complete regional market research, information collection, data analysis and feedback of opinions and suggestions; Maintain customer relationship, etc.
In terms of products, Yin Hang's consumer financial products include "light loans", "light cards" and "exclusive loans". "Light loan" is an online micro-credit product; The "light card" is positioned as a consumer wallet, and can be bound to WeChat consumption after the application is successful; "Exclusive loan" is an offline loan product with a high amount, mainly for civil servants and employees of public institutions. According to the recruitment information, "exclusive loan" mainly obtains customers by pushing, making strangers and recommending.
In addition to the large-scale recruitment of account managers, the consumer finance of Hangzhou Bank has also taken frequent actions in financing.
On June 5438+February, 2020, the asset securitization (ABS) qualification of Hangzhou banking consumer finance was approved by Zhejiang Banking Insurance Regulatory Bureau, and it became a qualified 13 consumer finance company. In March this year, Hangzhou Bank Consumer Finance introduced Dirun (Tianjin) Technology Co., Ltd. under Didi as a shareholder, and its registered capital increased from 65.438+0.26 billion yuan to 256.5438+0 billion yuan. In May, Hangzhou Bank's consumer finance was approved by the National Interbank Funding Center, and the company's online interbank lending quota will be expanded to 2,564.38 million yuan.
Industry analysts pointed out that expanding diversified financing channels and recruiting account managers on a large scale all indicate that consumer finance of Hangzhou Bank is trying to expand its business scope.
The control of post-loan capital flow needs to be strengthened.
According to the data of Hangzhou Bank's 2020 annual report, in 2020, the operating income of Hangzhou Bank's consumer finance was 65.438+87.2 billion yuan, an increase of 85.7% year-on-year; The net profit was 239 million yuan, a year-on-year increase of 107.8%. By June 65438+February 3, 2020, the audited total assets and net assets of Yin Hang consumer finance were 2135.5 billion yuan and 65438097 million yuan respectively.
Among licensed consumer finance companies that have disclosed their performance in 2020, Yin Hang's total assets, operating income and net profit rank above the middle reaches, and its net profit growth rate ranks second only to Jin Meixin's consumer finance.
According to the judgment documents recently disclosed by Documentary.com, some borrowers lent their loans to others after borrowing from Hangzhou Bank's consumer finance.
Take the (202 1) Gan 0426 judgment in the early Republic of China as an example. On August 65, 2020 at 438+00 and August 65, 2020 at 438+04, the borrower Xia Mou borrowed 25,000 yuan and 35,000 yuan from Hangzhou Bank respectively, and recorded 60,000 yuan. The annual interest rate of the loan is 65,438+065,438+0.8%. Xia stated: "Of the loan of 60,000 yuan, 654.38+500,000 yuan was used to repay the credit card, and 40,000 yuan was lent to Zeng on August 65,438+4, 2020." Xia and Zeng verbally agreed that the monthly interest rate is 2 points, that is, the annualized interest rate of the loan is 24%.
The court held that the private lending contract for the loan transfer of financial institutions was invalid, and Xia's loan from Hangzhou Bank to Zeng's loan was invalid.
In fact, a similar case appeared on 20 19.
In July last year, Jincheng Consumer Finance was fined 400,000 yuan by the Banking Insurance Regulatory Bureau for poor management after lending and serious violation of prudent business rules. Chen Wen, then director of the Digital Economy Research Center of the School of Finance, Southwestern University of Finance and Economics, told Beiqing Finance that the post-loan management of currency cancellation institutions was not in place, including but not limited to the following aspects: First, the borrower's loan funds were not used according to the agreed purposes; Second, post-loan management means such as collection; Third, customer privacy information data has not been effectively protected, and there are problems such as post-loan leakage.
An Yongguang, an expert from the Credit Management Committee of the All-China M&A Association, said that although it does involve the field of risk control, it does not mean that the risk control ability of consumer institutions is insufficient. In fact, the related consumption tracking is possible in theory, but it is difficult to operate in practice. And at present, domestic consumer companies have no good solutions. Theoretically, asking consumers to leave invoices and receipts related to consumption can be confronted with consumers, but it will be accompanied by a lot of complicated operations.
Related Q&A: On which platform does Yin Hang Consumer Finance borrow money? What loan platform is consumer finance in Yin Hang? Is Yin Hang Consumer Finance Loan Reliable? Consumer finance in Yin Hang is very reliable, and it can be borrowed and repaid. Yin Hang Consumer Finance is a licensed institution. Users applying for loan products in Yin Hang Consumer Finance are legal and compliant in both loan process and loan interest. The comprehensive consumer loan of Hangzhou Bank's consumer finance is a pure credit consumer loan and does not need mortgage guarantee. Mainly based on personal credit information. If there is a loan demand, you can apply for a loan through outlets or by appointment. A survey of personal credit in Yin Hang's consumer finance. Consumer finance in Yin Hang has been fully connected with the credit information of the People's Bank of China. Whether it is the loan business of Yin Hang consumer finance or the loan of Yin Hang consumer finance, it will be reported to the loan record for credit investigation. Credit information on loan records will not affect users' personal credit, only bad credit records will have a negative impact. Although there are many channels in the market to provide loans to borrowers, some loan platforms may charge extra fees such as handling fees and service fees in addition to the inflated loan interest rate, which makes borrowers feel great repayment pressure. Conscience online microfinance platform inventory, users who want to apply for loans should not miss it! 1, Qianhua Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Online application, no mortgage, the fastest 30 seconds to complete, the fastest 3 minutes to lend. The minimum daily interest rate of microfinance is 0.02%, and the maximum loan amount is 200,000.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2.360 IOUs 360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income. 360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan Ping An New Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and pay back, with daily interest, with a minimum loan of 2,000 yuan and a maximum loan of 500,000 yuan. The service life ranges from 12 months to 48 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
If you want to see whether an online loan company is formal, you can generally examine it from the following aspects: First, see if the loan company has a financial license, and the licensed institution basically accesses the central bank's credit information system. Second, see if the loan application process is standardized. Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan requirements, they will provide formal loan contracts, and they are also very willing to know all kinds of information of lending institutions and will not hide it. Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Any loan company has to pay various fees before lending, which will attract attention. Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do, and the comprehensive loan cost is very high after deducting various service fees.