I don't know when lending institutions began to appear. Half of the office buildings are lending institutions, which means that many people know that if you want a loan, not only banks can lend it, but anyone can lend it to you as long as you need it! Until recent years, I felt that the whole world could borrow money. Because as we all know, this kind of loan is so profiteering that it leads to crooked loans!
In the past, loans were all for enterprises and individuals. But now the loan is for everyone in the world, and there are also maternal loans for unborn children; Young couples get married and have marriage loans; Girls who want to be beautiful have plastic loans for plastic surgery; College students buy mobile phone loans, computer loans and travel loans in various names! Work, no money to rent, simple, you can rent by loan; If you want to buy a house, let alone a mortgage, you can get it by down payment. There are all kinds of mortgages. Don't you need money? Isn't your credit report very poor? Didn't the bank give you a loan to buy a house? I can do it here. I don't need to read the credit report. The interest is 25%. Do you want it? Pay immediately within one day! What? You haven't paid the mortgage on your house yet? Never mind, we can get a second loan, don't worry! What? No house? The car is very good. Consider gambling to death or gambling to live. What is live betting? Is that I can give you money and drive for you, okay? Interest? Not anymore, not anymore. I'll lend you 30,000 yuan, and you pay me 1500 a month. It's cheap and there's nothing wrong with young people!
Next is the beginning of the nightmare! What is a nightmare? Just search online and you will see it!
However, what people don't understand is that usury, which harmed civilians in ancient times, still exists in this society until now. And it is promoted on various platforms!
Related Q&A: How about China Bank's consumer finance loan? BOC consumer finance is more formal and reliable. BOC Consumer Finance, a subsidiary of Bank of China, is one of the first consumer finance companies in China approved by China Banking Regulatory Commission. With the strong background of banks, many people will start to choose BOC Consumer Finance to apply for loans. BOC Consumer Finance Company has many loan products, such as credit loans, merchant-specific loans and Internet loans (BOC consumer wallets). If you feel that it is troublesome to apply in a bank, the payment is slow and the procedures are complicated, you can submit a loan application to BOC Consumer Finance. What are the consumer finance credit loans of China Bank? 1. Owner loan is an unsecured and unsecured credit loan product for individual consumers. The maximum loan amount is 200,000 yuan, and the longest loan can be 36 months. Customers with an application amount of 6,543,800+10,000 or more must have local real estate in the name of themselves, their spouses or minor children. 2. Salary-based loan is an unsecured and unsecured credit loan product for individual consumers with stable wage income, with a maximum loan amount of 200,000. 3. Policy loan requires the user to provide a policy with cash value, and the loan can be issued according to the user's qualification and policy value, and can be applied on-site or online. Although there are many channels in the market to provide loans to borrowers, some loan platforms may charge extra fees such as handling fees and service fees in addition to the inflated loan interest rate, which makes borrowers feel great repayment pressure. Conscience online microfinance platform inventory, users who want to apply for loans should not miss it! 1, Qianhua Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Online application, no mortgage, the fastest 30 seconds to complete, the fastest 3 minutes to lend. The minimum daily interest rate of microfinance is 0.02%, and the maximum loan amount is 200,000.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2.360 IOUs 360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income. 360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan Ping An New Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and pay back, with daily interest, with a minimum loan of 2,000 yuan and a maximum loan of 500,000 yuan. The service life ranges from 12 months to 48 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
If you want to see whether an online loan company is formal, you can generally examine it from the following aspects: First, see if the loan company has a financial license, and the licensed institution basically accesses the central bank's credit information system. Second, see if the loan application process is standardized. Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan requirements, they will provide formal loan contracts, and they are also very willing to know all kinds of information of lending institutions and will not hide it. Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Anyone who has to pay various fees before the loan will pay attention. Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do, and the comprehensive loan cost is very high after deducting various service fees.
Related questions and answers: Is the current financial loan industry easy to do? Friends who have worked in finance and credit for more than 3 years may feel more deeply. Friends who have been employed for nearly 3 years should be able to understand what the loan market is like after reading this article!
At the earliest, there were no customers, with a big bag of material list and a bag of banners. As long as they listened to the leader, they completed the daily workload according to the leader's requirements.
At that time, as long as you are willing to work hard, the loan performance of 250,000 yuan a month is guaranteed, and the loan performance of 200,000 yuan is almost certain.
Number of small loan companies on 20/200616 (unit: several)
At that time, the credit business was not as convenient and fast as it is now. It took about three days from the application to the grant, and sometimes three days may not be the result. In addition, the amount of funds allocated is not large (1-50,000 or so), so it is necessary to conduct letters and visits on the spot. Basically, there are several field staff in each city sub-center to take photos at home.
At that time, it was mainly based on credit. Both house mortgage and car loan were pledged, and the interest rate was alarmingly high. With the gradual opening up, the comprehensive cost of car loan pledge is still around 2%, and the original state of mortgage procedures is also 3%, which is completely incomparable with the current market cost of 1%.
This data should not include P2P, car loan and other company personnel.
Besides, the quantity was very small at that time? The average number of entries (1, 000-50,000), and the approval rate of 50% is already a very good platform. In addition, at that time, the competition in the loan industry was small and there were many customers. Take the leaflet of Everyone as an example, the conversion rate is about 1/400. If you distribute 2000 leaflets a day, you can have 3-5 consultations and 2 advance payments. As long as the amount of activities can keep up, consulting and lending will not be bad.
Then the credit manager is casual, as long as he has worked in the credit industry for more than three months, his business ability and communication ability are not bad, and the income that the diligent loan officer falls into his pocket every month is 10000+, which can be said to be a relaxed Gao Fushuai.
More than 60% of the people in the loan company can earn 7000+, so the 90-day turning point mentioned by the credit company now actually comes from here. If you don't make achievements in three months, you won't make money, and if you don't insist, you will be eliminated. Every month, credit companies will have three months of loan assessment pressure.
However, with more and more loan companies, more and more competitive pressure, more and more transparent loan information, more and more loan channels, methods and employees, it is bound to produce a gap between supply and demand.
Five years ago, the number of loan employees in some cities surged from 800 to 30,000. For the benefit, the competition between companies is becoming more and more fierce, and the competition between companies is beginning to be unhealthy. Many people choose to leave the loan industry, and many people are still confused and at a loss.
Under the current situation, the industry development instability caused by malicious excessive competition of credit companies is bound to be the government's macro-control, supervision and policy control. Once this period is over, the loan industry will surely usher in a qualitative leap!