Cheyi Loan works hard, makes friends sincerely, strictly conducts credit investigation, evaluation and audit on each project, and guarantees the principal income of the lender. Under the guidance of national policies and regulations, it strives to become a benchmark platform in the field of internet finance automobile consumption.
Extended data:
Introduction of "Car Easy Loan" Business and Operation
At present, the company mainly has four business products, namely car dealer loans, commercial loans (except car dealers), car consumption loans and personal consumption loans.
Car dealers are the main borrowers of car dealers' loans, which refers to the loan demand generated by car dealers for capital turnover or expanding their main business. Because the cash flow of car dealers is usually fast, the loan term is 1- 12 months, and the annualized interest rate is 13%- 16%. Considering that car dealers will provide some vehicles for sale as credit enhancement targets, the risk of operating loans is safer and more controllable than that of ordinary enterprises.
The main borrowers of business loans for enterprises are small and medium-sized enterprises (except car dealers), and the loan purpose is mainly used for the business capital needs of enterprises, and its annualized interest rate and loan cycle are basically the same as those of car dealers. For commercial loans, the company has a strict risk control review process for the authenticity, credit status and business continuity judgment of the borrowing enterprise.
Automobile consumption loan refers to the natural person or enterprise that needs to buy a car to buy a car through the information intermediary platform of car easy loan, and then repay it in installments at a certain interest rate. The loan term is 6-36 months, and the expected annualized income is 13%- 19%. Automobile consumption loan products have specific scenarios, and specifying the sole purpose of borrowing is more conducive to channel risk control.
Personal consumption loans refer to loans issued by individuals who have consumption needs other than car purchase through the car easy loan platform, which are mainly small and short-term. The loan term is usually 1- 12 months, and the expected annualized income is 13%- 17%. The credit status of the platform, the borrower's loan purpose and the source of repayment will be different.
Cheyi Loan Official Website-Company Profile
Cheyi Loan official website-Business Model-Product Introduction