Starting today, a bank will attack you!

Just came the news that a bank in Hangzhou has introduced a new loan policy:

"As long as there are two records of using Internet loans within half a year, such as Alipay loans and JD.COM IOUs, even if they are paid off, they will not lend!"

Maybe you can't believe this incredible rule. The reporter of Metropolitan Express has verified with the manager of the bank that there are indeed new regulations, which will be implemented this month.

Things have happened! Ms. Tu from Hangzhou, because she used IOUs, IOUs and micro-loans within six months. In any case, the bank will not give a car loan!

Is this to put Internet lending platforms such as WeChat, Alipay and JD.COM in the cold? When we were still shivering, the two banks spoke again!

ABC: We don't have any hard and fast rules for the time being, but if you borrow money with Alipay or JD.COM, you must settle it first, otherwise it will be difficult to get the loan.

China Merchants Bank: If you borrow from Alipay, JD.COM Baitiao and other Internet loans, it will be more difficult to approve than those who don't borrow from these platforms.

What does this mean? This means that banks have begun to focus on the micro-loan business of Alipay, WeChat and JD.COM, and are ready to make moves at any time!

Their reason is simple, because every time they borrow money from WeChat Alipay, they will check the credit report. Frequent inquiries, you are not safe!

If you buy a bottle of water today, you are borrowing money. If you buy a dress tomorrow, you will probably be poor. This is the logic of banks.

But is this really the case?

This did happen in Hangzhou, but not all over the country. And it's not only that there are two records of borrowing money through the Internet within half a year, such as Alipay and JD.COM IOUs, even if they are paid off, they won't lend!

Recently, some media reported that some local banks issued new regulations, and refused to lend if they used Internet consumer credit products more than twice in six months, such as JD.COM IOU, Ant IOU and micro-loan. Some media misread that banks "don't like" internet credit products, but it is not.

Many insiders interviewed by the reporter said that banks will not refuse borrowers who borrow from banks by using products such as lending treasures and micro-loans, but will refuse the "miscellaneous army" of Internet lending, that is, some small Internet finance companies.

1 The Internet credit process is different.

With the further strengthening of the construction of personal credit information market, a number of internet credit information products have been connected to the central bank's credit information, but in fact, different credit information products rely on different service subjects, and the progress of accessing the central bank's credit information is different.

According to the data of the central bank's credit information center, it has been connected to various lending institutions such as commercial banks, rural credit cooperatives, trust companies, finance companies, auto finance companies and microfinance companies. However, small loan companies have made different progress in accessing the central bank's credit information. Some Internet credit products are not included in the central bank's credit information through commercial factoring loans, while almost all P2P online loans are not included in the central bank's credit information.

In response to a reporter's inquiry, Weizhong Bank said that micro-loan is a revolving loan product for personal consumption credit. As a bank loan, you need to check the central bank's credit report to confirm whether it meets the regulatory requirements of "the borrower's credit status is good and there is no major bad credit record". As long as the repayment is made on time and not overdue, the micro-loan records in the credit report will not become "negative information".

In response to a reporter's inquiry, JD Finance said that JD.COM Baitiao only started the credit investigation stage at present, and the subsequent specific reporting mainly followed the regulatory opinions. At the end of March this year, JD Finance said that its gold bars, white bars and Jingnong loan business had started credit access, and JD.COM White Bar updated its liabilities on a monthly basis according to the bill.

The borrowing and spending of Ant Financial are all lent through the Internet small loan license. Huayuan said in June last year that its service subject did not inquire/report the credit information to the central bank. Suning Consumer Finance previously stated that the "willful payment" of microfinance products has been reported to the central bank for credit investigation.

In fact, Internet consumer credit is generally a credit loan. However, due to different loan qualifications and different report formats, the contents of credit reports are mixed.

Suning Consumer Finance said that due to the different classifications of consumer finance and credit cards by the People's Bank of China, the message formats for reporting credit information are also different. At present, personal consumption loans need to be reported one by one. At present, the company is actively communicating with the regulatory authorities to strive for early approval to adopt a consolidated report model similar to credit cards.

Banks will not simply "refuse to lend"

Recently, it was reported that some local banks refused to lend to borrowers who used Internet lending products more than twice in six months.

"We have discussed this matter. It may be that the bank has no quota, or that some banks have too strict risk control. " A person from a city commercial bank said. Under normal circumstances, banks will not refuse borrowers who have used products such as lending treasures and micro-loans, but may refuse borrowers who have used products borrowed by some small mutual fund companies.

A credit card holder of a joint-stock bank said that the logical thinking of the bank is to instinctively exclude borrowers who use non-bank consumer financial products, because the bank thinks that "borrowing money to find a bank" is the source of credit business, and a person who is unwilling to borrow money even by the bank, or a person who is keen to borrow money from non-bank platforms, is likely to have poor credit qualifications.

For some ordinary people, it may be that banks are not as good as people, and they are angry that the loans have been eaten up.

The reporter learned that in the daily examination and approval, banks will not simply refuse loans, but use the comprehensive situation of total liabilities, cash flow and default to judge customer qualifications.

The person in charge of retail credit of a joint-stock bank said that in this case, the loan may be refused and the borrower's debt situation will be considered as a whole. Another person from the retail credit department of a city commercial bank said: "It mainly depends on whether the interest is overdue."

For the use of small loans on the Internet, the retail person in charge of a stock bank said that the total amount of customer debt is more important. If it is a small loan with a scene, it has little impact. In addition, whether the customer is short of money can be judged by the loan record, and whether to lend can be comprehensively judged by the credit record. In fact, the benchmark product of bank's credit loan is Internet small loan.

"General banks will not adopt a one-size-fits-all policy. Unless the comprehensive scale of this bank is not large, customers can be selected at will and these thresholds will be set. " A person from a stock bank said.

The above shareholders also said: "It is not a problem to have a record of Internet credit products. The question is whether these records reflect some bad information, such as bad repayment habits and overdue. In particular, there are large loans from P2P or small loan companies. A large amount is usually not the general consumer demand, and the interest rate is so high. How to deal with these loans is worth considering. "

Weizhong Bank said that the "negative information" in the central bank's credit report only refers to the "information that has not been repaid according to the contract", so the inquiry record of "loan approval" or "credit card approval" will not become the "negative information" of the credit record. However, some bank employees may have special considerations about the frequency of "loan approval" or "credit card approval" in a specific period of time. It should be emphasized that "loans overdue and default are still the main reasons that affect the loan application".

Generally speaking, the statement that online loans will be rejected by banks for more than 2 times is a rumor and not objective. What ultimately affects whether we can get a loan is the credit record. If the credit record of the central bank shows that the credit is good and the lender is qualified for the loan, then we will not encounter the situation of refusing the loan.

3 The market releases two big signals.

Anyway, no matter what! Today, every ordinary person should see these two signals:

1, the credit network has been formed.

Today, it's extremely dangerous if you still think it's okay to play tricks on Internet platforms such as Alipay, WeChat and JD.COM. So are other platforms. Don't think that overdue or direct non-repayment has no effect on you. No one can find you. As long as the repayment is overdue or not planned, the consequences will be incalculable.

A huge credit network has been formed. Alipay and JD.COM. COM has been fully connected to the central bank's credit report, and the record will be written into your credit report, which will accompany you for a lifetime.

It is understood that Bai Hua's credit report has not been submitted yet, and it is being accessed to ordinary IOUs in JD.COM, and Suning pays the most willfully, so buying a bottle of water is also included in the report!

2. No one can stop the credit society.

Don't worry about borrowing money from Alipay and WeChat, the bank won't give you a loan. This behavior that hinders the development of China's credit society will inevitably stop.

Not to mention a large number of banks will follow suit. If you choose to follow up, it will be a big retrogression in history. At present, it's just an embarrassment for banks.

As long as you are a man of your word, no matter what platform you borrow and write IOUs on, you can repay on time, keep your word and keep your promise, and you will be unimpeded wherever you go!

In another month, all online payments will be connected to the whole country, and all transaction details will be under national monitoring!

Our money, the state helps us look after it. Our credit, the country helps us accumulate. The development of China's credit society will usher in a real climax.

All those things that try to hinder the progress of history, all those who still want to exploit loopholes, will be crushed by the wheel of history!

From today on, cherish every trust given by others and protect your own credit. Let's meet this best time together!