Second-hand loan is a microfinance platform for Internet consumption, which is aimed at working-class users, including both blue-collar and white-collar workers. Second-hand loan is a pure online cash credit loan with no specified consumption purpose. At present, the average loan amount is 65,438+0,000 to 65,438+0,000, the loan period is 30 years, and repayment is not made in installments, so one loan is one.

The current refinancing rate is 10% to 20%. According to its previous repayment records, do historical data analysis and audit. If there is a record of overdue repayment, the system will re-evaluate his credit rating and even blacklist it, and it is not allowed to borrow again. If the loan can be successfully re-borrowed, the loan amount will not be greatly adjusted, but it will save a lot of information verification process.

: 1. What is a loan?

Loan is a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, interest subsidies, overdrafts and other borrowing funds. Through loans and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second: the principle of loan.

"Three natures" refers to safety, liquidity and efficiency, and is the fundamental principle of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, mobility and high efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, when issuing long-term loans, the interest rate is higher than that of short-term loans and the benefits are good. However, if the loan term is long, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three characteristics" should be harmonious, so that there will be no problems with loans.

Three: the repayment method of the loan

(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;

(2) Repayment of equal principal: the borrower distributes the loan amount to each installment (month) evenly throughout the repayment period, and pays off the loan interest from the previous trading day to the repayment date of the current day. In this way, the monthly repayment amount decreases month by month;