1. When choosing a loan channel, banks are the first to consider and the most formal; Banks need to submit different materials according to the loan type when handling loans, but all banks will require borrowers to have good repayment ability and good credit information. Only by cooperating with these banks will they consider lending. However, it will take a long time to borrow money from the bank, and the requirements for borrowers will be higher.
2. Peer-to-peer lending. Now many micro-loans can be applied online, such as Baidu Qianhua Loan, Lending Treasure and Micro-loan. The loan amount generally ranges from thousands to tens of thousands. These platforms are very formal, support the loan and return, and the application is particularly simple. Interest is calculated on a daily basis. If the loan amount is relatively small, it can be considered.
3. Loan companies, there are many third-party loan companies, all of which are legally operated. Lending them money will be faster, but the interest rate will be higher. If you can't repay on time in the later period, you may face offline collection.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Principle:
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.