When applying for a loan from Zhongyuan Consumer Finance, the applicant needs to inquire about personal credit records. If he applies, he will leave an inquiry record on the credit record. Not only that, after the loan is successful, if it is not repaid in full and on time, the bad records will be reported to the credit bureau, which will have an adverse impact on everyone's future bank loans such as mortgage loans and car loans.
Zhongyuan consumer finance
Henan Zhongyuan Consumer Finance Co., Ltd. (hereinafter referred to as "Zhongyuan Consumer Finance Company") was established at the end of 20 16. It is a national non-bank financial institution approved by China Banking Regulatory Commission. Established by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd. ("China Minsheng Investment" wholly-owned holding company). The company is headquartered in Zhengdong New District, Zhengzhou City, Henan Province, with an initial registered capital of 500 million yuan, and has launched two product systems: "raising money to spend" and "raising money to pay".
The loan products of Zhongyuan consumer finance include: elite loan, provident fund loan, Leju loan and UnionPay commercial loan-raising money. As long as you meet the loan conditions, you can apply for one of them. Many users are worried about the routine of Central Plains consumer finance. In fact, as long as the loan requirements of Zhongyuan Consumer Finance are met, the loan can be successful through the loan review, and there will be no fees if it is unsuccessful.
Central Plains Consumer Finance Main Line Products
Zhongyuan consumer finance has two loan products:
First, raise funds for consumption.
It is a pure online consumer loan product, that is, online loan. There are three existing loan models: elite loan, provident fund loan and UnionPay business-cash withdrawal, and their target customers are different:
1, elite loan, mainly providing loan services for high-quality enterprise employees.
2. Provident fund loans mainly provide loan services for customers who deposit provident fund.
3. UnionPay business-raising money, mainly using credit cards to provide loan services for customer service.
Second, raise money to pay
It is mainly aimed at the installment service of customers in specific consumption scenarios, that is, offline loans.
Will the Central Plains consumer finance elite loan application amount check personal credit information?
Zhongyuan consumer finance elite loan is a pure credit personal consumption loan product, and it is necessary to verify the credit status when approving payment according to regulatory requirements. When obtaining a credit line, the applicant's authorization is required. Zhongyuan Consumer Finance will only apply for credit report inquiry to the Credit Information Center of the People's Bank of China after the applicant has clearly authorized and passed the identity authentication, so don't worry.
Do you check personal credit information when Central Plains consumer finance is approved?
Of course, it is necessary to check. From the compliance point of view, Zhongyuan consumer finance is approved by the China Banking Regulatory Commission. The shareholder behind it is Zhongyuan Bank, with the background of commercial banks. Therefore, the applicant's central bank credit can only be too poor, and the credit line can be higher.