CreditEase is a real loan company, but if you are sure that you have no loan and can't find specific information, it may be involved. You can call CreditEase for official verification, and you can call the police uncle if necessary.

2. Does CreditEase Pratt & Whitney lend money through banks or by itself?

CreditEase is the largest company, and the source of funds must mainly come from banks. Originally, it was to help banks sell products and collect agency fees. Many companies do business for banks.

Third, how do ordinary private loan companies verify the authenticity of bank flow?

Before understanding how lending institutions audit bank flow, let's first look at why loans provide bank flow.

Bank running water mainly refers to wage running water, which can reflect the borrower's monthly income, unit nature, consumption records and so on within a certain range. Lending institutions calculate the borrower's financial resources and repayment ability according to these records, and then decide whether to lend money. The running water of the bank largely determines whether the borrower has the repayment ability, so the lending institutions attach great importance to it.

Next, let's learn how lending institutions audit bank flows.

1, shore current length

Under normal circumstances, lending institutions require borrowers to provide at least 6 months of bank liquidity, and it must be recent. So it is best not to print the bank flow for more than a week.

2. How much water does the bank have?

The amount of bank flow directly reflects the borrower's income ability, so the amount of bank flow has a great relationship with the borrower's loan amount. For example, some loan products require a punch card salary of more than 4,000 yuan. If your bank's running water shows that the average income level in the recent period is only about 3000 yuan, you are likely to be refused a loan.

3. Sustainability of bank flows

The continuity of bank water flow means that there has been water flow every month in the recent period, and there can be no interruption in the middle. If it is interrupted halfway, the lending institution will think that the borrower's income is unstable or his job is unstable, and it is easy to be rejected.

4. Shore flow stability

The so-called stability means that the monthly bank flow is relatively stable and there can be no big gap. For example, last month's income was 1 1,000 yuan, while this month's income was only 1 1,000 yuan. This kind of flow is unstable, and it will also affect the approval of loans or quotas.

5. In and out of the river bank running water

The entry and exit of bank flow is the entry and exit of bank flow, so several aspects will be assessed. On the one hand, it is the nature of entry, whether it is salary, personal transfer or company transfer; If it is an individual transfer, you have to make a certain discount; Another is to look at the hukou. If the bank flow is transferred out as soon as it enters the account, or the bank flow is relatively simple and large, then the lending institution will also be suspicious.

6. Look at the nature of bank flow transactions

The transaction nature of bank running water can be seen from the flow direction of bank running water to a great extent, mainly from the transfer bills. Information such as wages, labor costs and bonuses is favorable information, while loans, loans, repayments and credit card repayments are unfavorable information.

7. Look at the time when the bank's flowing water is stable.

This is generally aimed at borrowers of office workers, such as the payment time of wages. The assessment is mainly to arrange the repayment date reasonably to prevent the borrower's salary from being used for other purposes and affecting the repayment.

8. See if the bank flow is fraudulent.

Nowadays, many fake institutions can fake the running water, which will affect the lender's true judgment on the borrower. For example, some borrowers have a monthly income of 20,000, but the actual income may only be 1 and 2000. Therefore, lending institutions will also focus on checking whether the loan flow is fraudulent, generally mainly through cross-verification, such as the fast-in and fast-out of the bank flow, the nature of the borrower's work, and the borrower's personal assets. , and will also verify the authenticity of bank flow through telephone banking ~

I want to know where the money of CreditEase, a loan company, comes from, which is the bank. ...

CreditEase is mainly engaged in P2P financial management business. P stands for individual. To put it bluntly, individuals borrow personal companies, and personal companies will lend money to borrowers as intermediaries, and some real estate mortgages will also be involved.