Online lending has become a common thing in life. For lenders, they all hope to find some reliable online lending platforms. People mainly apply for online lending platforms. There are many very reliable small and micro online loan openings in the network, and borrowers need to choose carefully. What micro-loan platforms are there? What are the better micro-credit loans? Let's give you a detailed introduction.
For lending institutions and credit managers, loan companies have a sound product quality control system, a qualification review of lending institutions and a strong risk control mechanism, so the loan platform is safe and you can do loan business with peace of mind.
For loan applicants: the lending institutions on the loan platform are strictly audited, and all credit managers are also audited and certified. Therefore, the loan platform is safe and you can apply and consult with confidence.
From the qualification analysis of financial products on the loan platform, the financial products on the platform come from financial institutions recognized by the state, including state-owned banks, joint-stock banks, foreign banks, village banks and companies. Users only need to enter the loan search platform, screen out the matching products according to their personal qualifications, and submit the application online, so that they can enjoy the loan services provided by certified lending institutions. This way can be described as time-saving, labor-saving and safe.
loanchina
Easy Loan China is a leading online loan service provider in China, focusing on providing loan consultation, loan transaction and related information services for small and medium-sized enterprises and individuals. Easy Loan China is committed to building a brand-new loan service platform in the Internet era with first-class e-commerce technology and professional service capabilities, providing a perfect communication, evaluation and trading platform for both borrowers and related service institutions during the loan process, and promoting the perfection and development of China's financial market.
Rongdao net
Rongdao Com is an online financing intermediary service platform and the most accurate and convenient online financing loan platform pioneered in China. Established in June 2009 in Shanghai Lujiazui Financial Center. Lending users in Rongdao.com include individual consumers, self-employed individuals and small and medium-sized enterprises. Rongdao Com classifies domestic enterprises according to the scale of the industry, and sets up different credit structures and mortgage methods according to different financial institutions and loan officers. Its core is to label each enterprise and let banks and loan officers choose enterprises.
What micro-loan platforms are there? What are the reliable micro-credit loans? In summary, micro-credit loans with good reputation are recommended. These loans have a good reputation, mainly providing small loan services for borrowers and also providing loan services for some micro-enterprises. Applicants choose the appropriate loan amount according to their own needs.
What about small and micro loans? What are the application conditions?
For some small enterprises, their demand for funds is short, small, urgent and frequent, that is, they must be needed in a short time, and the amount they want is relatively small, urgent and frequent. Therefore, they have higher requirements for the flexibility of capital flow, which has promoted the emergence of small and micro loans. It has played an important role in helping small businesses to obtain funds. What about small and micro loans? Let's take a look together.
1. How about small and micro loans?
Small and micro loans are still good. Security is guaranteed, and it has passed the pre-audit, mid-audit and post-management To a great extent, it guarantees the loan safety of investors.
Pre-loan review: After the customer applies for a loan, the basic information of the customer will be analyzed. Conduct detailed and meticulous investigations through effective channels such as the Internet and telephone. Avoid the fraud risk of bad customers. After the data information is verified, it is evaluated according to the personal credit risk analysis system, and the approval result is finally decided after double review and confirmation by experienced loan auditors.
Audit in loan: the auditor in loan will monitor the validity period, data attributes and repayment of customer information in real time and update the changes of customer information. Keep in touch with customers to avoid borrowing risks caused by losing contact. Transfer abnormal customers to the post-loan management system.
Post-loan management: If the user fails to repay the loan within the time limit, the post-loan management department will immediately remind the user to repay the loan by SMS, telephone, etc. If the user fails to repay the current loan within 5 days, the small loan or guarantee company will contact the user's emergency contact, immediate family members and the unit to urge the user to repay as soon as possible. If the user still fails to repay the loan, the professional collection team will cooperate with the third-party professional organization to carry out a series of collection work including door-to-door collection until legal measures are taken.
Second, the application conditions
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
To sum up, micro-loan is a formal platform with security, early and mid-term audit and post-management, which really provides convenience for users. Users' credit will be evaluated to reduce risks. However, for overdue users, they will also be collected by SMS and other means. If it is delayed, legal procedures will also be taken. The application conditions are that the age meets the requirements, there is a stable address and income, and the credit record is spotless. The handling process is simple, and simple submission requires a face-to-face sign.
How to apply for small and micro loans?
Application-review information-check loan.
Simply put, it is such a process. But each step of these processes will have some detailed requirements.
Mainly based on the loan amount, repayment ability and other reference factors, the bank will decide whether to carry out this loan business.
Zhihu is a financial APP launched by China Construction Bank. It evaluates the credit of enterprises based on big data such as transaction settlement and tax payment records, and provides credit services to small and micro enterprises online around the clock, without paying extra fees such as guarantee, evaluation and "bridge crossing", which can greatly reduce the loan cost of small and micro enterprises.
CCB understands that there are several different products in your APP, and the application requirements are slightly different. Let's have a look.
First, CCB credit fast loan
This is the credit loan that CCB understands you. It has no mortgage or guarantee. You can apply online directly through your mobile phone. You can borrow it or pay it back, and the interest is calculated on a daily basis.
Supplementary application conditions: holding CCB financial assets (including deposits and wealth management, etc.). ) or an honest tax paying enterprise of CCB.
Second, CCB's fast mortgage loan
This kind of large loan product needs to be reviewed online and then signed at the local CCB outlet. Suitable for small and micro enterprises with real estate mortgage or secondary mortgage of existing mortgage loans. It is also a product that pays interest every day.
Supplementary application conditions: CCB's high-quality real estate or personal housing loan.
Third, CCB pledged fast loans.
Similar to fast credit loans, the difference is that providing pledged products requires individuals or enterprises to hold financial assets (including deposits and wealth management) in CCB.
Fourth, fast loan on CCB platform.
If it is a small and micro enterprise with e-commerce shopkeepers, government, supply chain and other cooperation platforms, it can apply for this CCB product, or it can be successfully operated online, with daily interest and repayment.
The steps to apply for a loan through the "CCB Know You" app are as follows:
1. Search and download the "CCB knows you" APP through the mobile app store (Apple \ Android), and then log in (you need to register the user according to the prompts and complete the first real-name authentication);
2. Select "My-My Enterprise-Create Enterprise" in turn, and create enterprise information according to the prompts (only enterprise legal persons or shareholders can add enterprises);
3. Click "I want a loan-loan-apply immediately" to initiate the shareholders' meeting;
4. Each shareholder enters the "Know Your Micro Service" WeChat applet to attend the shareholders' meeting, clicks "I am a shareholder, I want to attend the online shareholders' meeting", and completes the authorization according to the prompts;
5. The actual controller of the enterprise logs into the "CCB Know You" App and accepts the authorization according to the prompt;
6. Click "Loan Application" and CCB will understand that your loan process is very simple. Download CCB Huizhi Your App first, register and complete real-name authentication according to the prompts, then select loan products according to your own loan needs, click to enter the loan application page, and then fill in relevant information according to the requirements of the page, such as the full name of the enterprise, industry, operating income, tax amount, etc. After completing the application, submit the application and complete the loan application.
Is it reliable to help small micro loans?
Small and micro easy loans are still reliable. It is an online electronic credit product developed by China Postal Savings Bank with the help of Internet and big data technology through digitalization, modeling and standardization. Belonging to the products of China Postal Savings Bank. So it is much more formal than online lending. But for the current market situation, everyone is facing the risk of capital chain breakage. So I can have a stable job and pay my salary on time. Lending is not recommended, because the current market lending risk is high, and once the capital chain breaks, its impact on itself is still serious.
What does microfinance mean?
What does microfinance mean?
Literally, microfinance has the characteristics of small amount and short time, especially the credit business of small and micro enterprises. Because the credit demand of small and micro enterprises has the characteristics of "short, small, frequent and urgent", its small, short-term and scattered characteristics are more similar to retail loans, so the requirements for capital liquidity are very high. From the analysis of the current situation, some joint-stock commercial banks have carried out microfinance business, but the bank's examination is too strict, resulting in more applicants and less business. Compared with banks, new Internet financial institutions are more flexible and convenient. Internet financial institutions, mainly P2P, etc. , has certain advantages in the development of micro-credit, and it is more and more welcomed by small and medium-sized enterprises and individuals by making use of its more flexible and convenient advantages.
Compared with the large loan business, the loan business of small and micro enterprises is much lower, but its characteristics and advantages are also obvious. The first is the low loan cost of small and micro enterprises. Compared with other financing tools, bank loan is a low-cost financing method, and the interest rate of bank loan depends on the specific situation. Generally speaking, the interest rate of corporate loans is higher than the preferential interest rate of small business loans. The loan interest rate of enterprises with low credit rating may be higher than that of enterprises with high credit rating; The medium and long-term loan interest rate is higher than the short-term loan interest rate. On the whole, the bank loan interest rate still has a comparative advantage, but the bank handling process is more complicated; Second, the source of funds is stable. Both banks and Internet financial institutions such as P2P have sufficient financial support. Therefore, small enterprises can sign loan contracts as long as they pass the examination of banks or internet financial institutions. Of course, they need to meet the conditions for issuing loans and get loans after completing the above steps.