At present, many credit card promoters of CCB may take some measures to induce cardholders to apply for dragon card loans in order to increase their performance. If the cardholder himself doesn't need an additional loan amount, it's best not to apply. If necessary, cardholders can apply for Longka loan in advance, which can also be used as a backup loan channel.
According to the official explanation of CCB, the maximum credit line of Longka Loan Bar is 50,000 yuan. In other words, cardholders can borrow up to 50,000 yuan at Longka Loan Bar.
Loan funds are strictly forbidden to flow into the account with the same name, because loan funds cannot be transferred to other accounts of the company and can only be used for external payment. This regulatory policy refers to: requiring banking financial institutions to strengthen the control of the use of consumer loans, strengthening the authenticity review of the use from all aspects of the whole process of loans, ensuring that the use is consistent with the contract, prohibiting funds from flowing into the stock market, bond market, gold market and futures market, purchasing bank financing and trust plans, and private lending and P2P. Therefore, it is this type of account that is controlled.
1. The Notice on Further Standardizing Personal Consumption Loans clearly requires banking institutions to strengthen the control of the use of personal consumption loans to ensure that the use is in line with the contract, and it is strictly forbidden for loan funds to flow into investment fields such as the stock market and the property market in violation of regulations. Mainly reiterated four forbidden areas: First, it is strictly forbidden to use loan funds to pay the down payment for house purchase or repay the down payment; Second, it is strictly forbidden to flow into the stock market, bond market, gold market, futures market and other trading markets; Third, it is strictly forbidden to buy asset management products such as bank wealth management and trust plans; Fourth, it is forbidden to be used in prohibited areas such as private lending and P2P peer-to-peer lending.
2. The Notice on Further Regulating Issues Related to Personal Consumption Loans also reaffirms the compliance bottom line of related businesses according to the existing problems in personal consumption loan business: First, personal consumption loans without specific purposes shall not be issued; Second, it is not allowed to issue personal consumption loans with real estate mortgages that have not yet been released; Third, it is not allowed to issue consumer loans free of charge to customers with repayment ability; Fourth, core businesses such as credit review and risk control should not be outsourced; Fifth, it is not allowed to invest or provide funds for lending to institutions without lending business qualifications; Sixth, it is not allowed to accept the credit enhancement and disguised credit enhancement of third-party institutions with unsecured qualifications.
3. Zhejiang Banking Insurance Regulatory Bureau said that the personal consumption loan business is directly oriented to individuals, and the protection of consumer rights is particularly important. The "Notice" clearly requires banking institutions to do six "noes": First, they must not abuse customer privacy information and must not illegally buy, sell or disclose customer information; Second, it is not allowed to conduct telemarketing to unspecified customers through blind calling; Third, it is not allowed to telemarket customers who clearly indicate that they do not want to be disturbed; Fourth, illegal tying is not allowed; Fifth, it is not allowed to collect money from third parties unrelated to debts; Sixth, we must not use violence, intimidation, insult, slander, harassment and other improper acts to collect money.