Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: 6.2.90
Take Jingdong Finance as an example:
The process of online lending is mainly:
1. The borrower logs on to the online loan platform, enters the application page, fills in personal name, ID number, residential address, telephone number, loan amount, loan purpose and other information as prompted, reads and signs the loan agreement, and submits the loan application.
2. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and platform control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization when applying, and the platform will review the credit status of customers through credit information).
3. After the platform is audited, the audit results will be issued. If it passes, the platform will lend the money to the account designated by the borrower. When the loan arrives, the platform will send an information notice, and the customer can use it when the money arrives. Of course, if the audit fails, the system will also inform the customer.
Different online loan products may have certain differences in specific process steps. For example, some online loans will call the borrower for electronic review during the review process, and will ask the borrower some questions to see if the contents answered by the borrower are consistent with the information filled in by themselves, so as to confirm the authenticity of the information provided by the customer.
Peer-to-peer loan model:
B2c mode:
B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. At present, the b2c model is restricted by the region, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded.
C2c(p2p) mode:
P2P is short for PeertoPeer, which means person to person. In this mode, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, and Party B can freely choose the object he wants to borrow like online shopping.
Scam:
1. The company name is relatively large, so the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow the registration of such company names.
2. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards.
3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China.
4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.
5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on.
6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is.
How to apply for a loan online
At present, customers in some areas of China can apply for loans online through personal online banking and mobile banking of BOC. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
Personal online banking can be used in loan management-new business application-more loan application.
With mobile banking, you can handle housing loans-more loan applications.
The above contents are for your reference. Please refer to the actual business regulations.
At present, customers in some areas of China can apply for loans online through personal online banking and mobile banking of BOC. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
Personal online banking can be used in loan management-new business application-more loan application.
With mobile banking, you can handle housing loans-more loan applications.
The above contents are for your reference. Please refer to the actual business regulations.
How to apply for China Bank's mobile banking online loan?
China Bank Personal Mobile Banking Online Loan Application Operation Steps:
Please log in to the personal mobile banking client of Bank of China and click more loan application on the home page-loan page to operate.
The above contents are for your reference. Please refer to the actual business regulations.
Online processing flow of student loans
The online processing flow of student loans is as follows:
1. Baidu search "China Development Bank Student Loan Information Network", click to open official website.
2. Enter your account password and log in.
3. Click "Apply for a loan".
4. Fill in the relevant information and print it out.
5. Borrowing students and * * * bring the materials needed by the borrower to the county-level help center where the household registration is located to sign the contract and receive the receipt.
6. Give the receipt to the teacher, who will input it into the system. After entering the system, the application can be completed, waiting for the system to review, and the loan can be issued after the application passes the review.
Let's talk about how to do online lending here.