1.JD.COM Gold bars:

JD.COM Gold Bar is a cash loan service provided by Jingdong Finance. You can borrow by binding stored-value cards and credit cards, without mortgage, and the maximum withdrawal amount can reach 200,000.

2. Borrow (credit loan):

Borrowing (credit loan) is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas, with a maximum of 300,000.

3.360 IOUs:

360 IOU is a consumer credit brand under 360 Digital Group, with a maximum loan amount of 200,000. You will have the opportunity to apply between the ages of 23 and 55.

4. Drip loan:

Drip loan is a loan service launched by Didi Finance, which adopts a pure credit loan model with a maximum amount of 300,000.

5. Comfortable flowers:

Anyihua is a consumer loan product immediately launched by consumer finance, providing users with a maximum credit line of 200,000.

6. Long-term loans:

Good term loan is a credit consumption loan launched by Zhaolian Finance, with a maximum amount of 200,000.

7. Stage music:

Staging music is a staged platform for music consumption, with a maximum loan of 200,000 yuan.

8. White Cat Loan:

White Cat Loan is a credit product of small loans in Du Zhi, with a maximum amount of 5 million.

9. Flower Duck borrows money:

You can get up to 200 thousand, and you can get a loan by providing your ID card and bank card.

10. Withdraw money and spend it:

Tiqianhua is a loan product of Zhongyuan consumer finance, with a maximum loan amount of 200,000 yuan.

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 expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves on the principle of safety, liquidity and efficiency."

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 of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in each installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal [loans with a term of less than one year (including one year)] in one lump sum on the loan maturity date, and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the loan bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Pay back as you borrow: interest after borrowing is calculated on a daily basis, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.