1. ICBC's e-loan. Credit business that users use debit cards and credit cards when spending.
2. CCB's fast loan. Including: fast e-loan, financing e-loan, pledge loan, automobile e-loan and wo e-loan
3. A new loan from Ping An Bank. Unsecured loans for personal consumption by people with stable working income.
4. China Merchants Bank's lightning loan. This is a pure credit and unsecured loan provided by the bank to China Merchants.
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.
Second, the risk review of microfinance
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
1. The review content omits the loan examiner of the bank, which leads to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and investigate the qualifications, qualifications, credit and property status of loan subjects.
2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents without due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risks.
3. Many wrong judgments are caused by banks not listening to experts' opinions or professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts in legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Third, the legal content of the pre-loan investigation
1. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it should examine whether the borrower is established according to law, whether it has the qualifications and qualifications to engage in related business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or related verification.
2. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is any obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment, etc. are illegal and illegal that may affect the repayment.
3. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (if it is a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;