Credit Suisse is a P2P online loan service platform, which belongs to Chongqing Huixin Asset Management Co., Ltd. Chongqing Huixin Asset Management Co., Ltd. is an asset management company established in accordance with the Company Law and other relevant laws and regulations. The company was established on October 28th, 2013165438+16, and closed its business on October 28th.
Personal suggestion: how do we choose the right loan platform?
1. Business qualification of the loan platform
Legal loan platforms have formal business licenses and organization code certificates. Borrowers can log on to the website of the Administration for Industry and Commerce for relevant information.
Check whether the company affiliated to the platform is registered, registered capital, registered address, legal representative, etc. , and check in detail.
After confirming that the loan platform has formal business qualifications, we can consider the issue of lending on this platform.
2. Application threshold of loan platform
Although the application threshold of the loan platform is lower than that of the bank, it does not mean that there is no threshold. We should know that the purpose of lending institutions is to make profits, and the premise of lending to users is to ensure that funds can be recovered.
Therefore, users are required to provide information that can be used for risk assessment, such as personal income, credit information and repayment ability. These are important references for lending on loan platforms.
Those platforms that claim that they only need personal ID cards or even black households can make payments, in addition to exaggerating publicity, there are many informal institutions, so don't trust them easily.
3. Will the loan platform charge in advance?
The formal loan platform will not charge any loan fees before lending. If a loan platform requires a fee before the loan, the borrower must be vigilant, no matter what the excuse, such as credit review fee, handling fee, introduction fee, deposit, prepaid interest, risk assessment fee, etc.