Relevant regulations on online loans:
1. The loan investigator will conduct a preliminary review of the borrower's needs and qualifications. If the information at the time of pre-trial is true, it will be preliminarily judged that there are potential matching lending institutions, and there will also be a telephone survey link;
2. If the borrower has good qualifications and a matching lending institution, the online loan will be directly recommended to the cooperative institution;
3. If the borrower's qualification is not enough, or it can't be matched with a suitable institution for the time being, the online loan system will screen the borrower's loan demand and post it online to find more loan opportunities for him;
4. After re-examination, the bank that needs to contribute capital will take the initiative to contact the borrower to understand the relevant situation and communicate the details such as the specific loan interest rate, term, amount and repayment method. The two parties will sign the relevant contract after consultation.
Therefore, online loans need to pay insurance premiums.
Extended data:
The calculation method of online loan is as follows:
Online loan = main business income-main business cost-period expenses-main business tax = main business income-main business cost-sales expenses-financial expenses-management expenses-main business tax.
Pre-tax profit of products = product sales revenue-product sales cost-sales tax after allocation and additional-period expenses after allocation.
Product sales revenue = domestic sales revenue+export sales revenue
Product sales cost refers to the sales cost corresponding to product sales revenue.
Sales tax and surcharges after apportionment = main business tax and surcharges of the enterprise × apportionment ratio (apportioned according to sales).
Period expenses after allocation = total enterprise period expenses × allocation ratio (allocated according to sales)
Distribution proportion (%) = sales of this product/sales of all products produced by the enterprise (including this product) × 100%.
Baidu encyclopedia-online loan