Disadvantages: A's high interest rate, B's credit reporting, C's bad habit.
1. Microfinance is an Internet microfinance product launched by Qianhai Weizhong Bank and Tencent. It is the first Internet bank in China and was launched in May 20 15. "Micro-loan" relies on mobile QQ and WeChat, and adopts the user invitation system. Invited users can see the entrance of "micro-loan" in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and can get a loan amount of up to 300,000 yuan.
Second, micro-lending can be said to be a bank product, similar to the opening of loans on other bank apps. The vast majority of banks are still very concerned about online lending, but the credit product policies for lending by such banks are relatively loose. The strictest attitude towards online lending is Ping An Bank. Any peer-to-peer loan is denied access, and it is directly denied to the bottom business manager. Even if it enters the examination and approval system, it will be rejected at the first time. However, the fundamental reason for the release of micro-loans is that the lender shown in the credit report is a bank. Many banks, Bohai, China Merchants, Hangzhou, etc. A loan entrance is built into the application for customers to apply for.
Third, when approving whether to lend money, all approving banks will refer to the number of online loans and customer big data, but the basic lending to banks will be liberalized. The reason why bank risk control refuses customers to use online loans is that the amount of online loans is small and the interest is high, and such users are directly defined as poor and have insufficient repayment ability. After all, customers' small loans ranging from 3000 to tens of thousands with monthly interest 1.5%+ are definitely short of money. Banks are not philanthropists, they will only add icing on the cake, and they will not give charcoal in the snow. Moreover, customers who are caught in online loans can easily fall into a vicious circle of raising loans with loans. Finally, there are many banks in loans overdue, and no bank wants to find the trouble of overdue collection. The lender of micro-loan is a bank, so when you apply for a mortgage in other banks, it basically has no influence. The mortgagor's bank treats your application with a loose policy.