Which online loan is Shengyin Consumer Finance Co., Ltd.? Is Shengyin Consumer Finance Loan Reliable?
Shengyin's consumer finance is relatively formal. It not only has the consumer finance license issued by the China Banking Regulatory Commission, but also has the big backing of Shengjing Bank. So we don't have to worry too much about the formality of Shengyin's consumer finance.
Shengyin Consumer Finance has many loan products:
Xinzu loan
Wage family loan is a loan product in Shengyin consumer finance family loan series, which mainly serves customers who pay wages on behalf of Shengjing Bank. The loan amount of wage family loans does not exceed 200,000 yuan, and the loan period generally does not exceed 36 months.
General loan
Ordinary loan is a loan product in Shengyin consumer finance ordinary loan series, which mainly provides loans to ordinary low-and middle-income working class. The loan amount of ordinary loans shall not exceed 50,000 yuan, and the loan period shall not exceed 36 months.
Zhu Ye loan
Business loan is a loan product in Shengyin consumer finance loan series, which mainly provides business loans for self-employed and private owners. The loan amount of the auxiliary loan shall not exceed 200,000 yuan, and the loan period shall not exceed 60 months.
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, money to spend
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.
2360 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 Xinyi 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
Want to see whether an online loan company is formal, generally from the following aspects to examine:
First, check whether the loan company has a financial license, and the loan products of the licensed institutions will basically be connected to 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. Anyone who has to pay various fees before the loan will pay 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.
Shengyin Consumer Finance has four online loans.
Shengyin Consumer Finance Co., Ltd. is the first consumer finance company in Northeast China initiated by Shengjing Bank as the main investor, providing small and decentralized consumer loan services for a new generation of consumers. What online loans does Shengyin Consumer Finance have? Let's look at the details.
What about Shengyin consumer finance?
It is understood that Shengyin Consumer Finance has four major consumer loan businesses, namely Shengyin Consumer Finance APP, parking loan, Sheng Xiang loan, auto insurance installment and other products. If necessary, please apply through the official channels provided by Shengyin Consumer Finance.
Shengyin Consumer Finance Co., Ltd. was incorporated in Huanggu District Market Supervision Administration of Shenyang on February 25, 20 16. The legal representative is Sun Yongsheng, whose business scope includes personal consumption loans; Accept deposits from domestic subsidiaries of shareholders and domestic shareholders, etc.
What loan does Shengjing Bank Co., Ltd. show on the credit report?
It should be an e-loan from Shengjing Bank.
1. Shengjing Bank is the first headquarters bank in Shenyang, the earliest and largest city commercial bank in Northeast China, and the third city commercial bank in China to set up branches across provinces after Bank of Shanghai and Bank of Beijing. You can contact the official customer service of Shengjing Bank for consultation. Shengjing Bank is the earliest and largest head office in Northeast China. Established in September 1997. Its predecessor was Shenyang Commercial Bank.
2. In February 2007, with the approval of CBRC, it was renamed Shengjing Bank to realize cross-regional operation. By the end of 20 13, Shengjing Bank had established 18 branches and more than 200 institutional outlets in Beijing, Shanghai, Tianjin, Changchun, Shenyang, Dalian, Yingkou, Anshan, Benxi, Panjin, Huludao, Chaoyang, Fushun and Dandong. Six Fumin village banks were established in Baoshan, Jiangbei of Ningbo, Shenbei of Shenyang, Xinmin, Liaozhong and Faku, and merged with city commercial banks such as Dandong and Benxi, forming an institutional strategic layout of "taking root in Shenyang, radiating northeast and going to the whole country". Market competitiveness and regional influence are constantly improving.
3.e-Enjoy Loan is a personal online consumer loan product launched by Shengjing Bank, including salary-enjoy loan, housing-enjoy loan, premium-enjoy loan, car-enjoy loan and other products. No mortgage guarantee is required, with a maximum amount of 300,000 yuan and a maximum of 12 months. A credit is awarded, and the amount can be recycled. Now you can enjoy a preferential annual interest rate of 6.09% by applying for e-loan. The daily interest of the loan of 65,438+00,000 yuan is about 65,438+0.67 yuan, which can be used for housing decoration, education investment, tourism and other purposes. Shengjing Bank's high-quality payroll customers and Shenyang provident fund deposit customers can apply directly through online banking and mobile banking if necessary, which is very convenient.
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No matter what kind of loan, online lending must be vigilant and it is recommended to terminate lending behavior in time. "Routine loan" is a scam in the cloak of financial instruments, and the routine is extremely deep. Anyone who is required to pay insurance premium, deposit, production cost, etc. It is very likely to encounter fraud in advance.
Operating environment: Huawei nova7Pro 2.0.0. 168.
What are the online lending platforms for credit reporting?
Credit information online lending refers to the cooperation between online lending and PBOC credit information, and loan records or overdue records will be uploaded to PBOC credit information. The following online lending platforms are all credit information.
1. Micro-loan: the loan product of Weizhong Bank. Users can apply in QQ and WeChat.
2. Online merchant loan: online merchant bank loan products, Alipay APP and online merchant bank APP can all apply.
3. Instant consumer finance: Instant finance is formal consumer finance, and its loan products are all on credit.
4. Gitzo Consumer Finance: a foreign-funded consumer finance company, which has been connected to the credit information system such as the basic database of personal credit information of the People's Bank of China.
At the same time, there are platform loan products such as BOC Consumer Finance, Sichuan Jincheng Consumer Finance, Yin Bei Consumer Finance, Zhaolian Consumer Finance, Xingye Consumer Finance, Haier Consumer Finance, Suning Consumer Finance, Hubei Consumer Money, China Post Consumer Finance, Huarong Consumer Finance, Shengyin Consumer Finance, and Shanxi Merchants Consumer Finance.
Ant Flower Garden: There is no docking credit at present, but serious overdue cases may be reported.
Ant borrowing: the loan information will go to the credit information department at the same time, and whether it is collected and displayed is subject to the information finally displayed in the credit information. It is said that some are on credit, some are not, and how are some distinguished? Look at the amount, look at the times, and buy and sell. If the buyer's loan is not seriously overdue, such as overdue for more than 3 months, or overdue for a large amount, it is not on credit. The seller borrows money from the credit information system because the seller borrows money from it as an operating loan. In order to compensate users, sellers will give users a high quota and low interest rate, such as a quota of 300,000, with an annualized interest rate of 6%.
Among them, Chongqing Ali Xiao Wei Microfinance Co., Ltd., which is used for the "Bai Hua" loan, has not been connected to the central bank's credit information system at present, and is not qualified to query/_ report the credit information data to the central bank. This is what Bai Hua said in the statement. "At present, the service subject has not inquired/reported the central bank's credit information." Chongqing Alibaba Microfinance Co., Ltd. has been connected to the central bank's credit information system and can query/report information.