1, Background Good Social Flower is a personal credit loan product of baixin bank, an Internet bank jointly established by China CITIC Bank and Baidu. With the approval of the China Banking Regulatory Commission and a formal financial license, bank lending is definitely a formal and reliable platform.
2. Product Advantages Good Club provides users with a maximum loan amount of 200,000, and the service period is 3- 12 months. There are application portals in baixin bank and Baidu, which can be bound to Alipay or WeChat for consumption and use. It's very convenient. It will be received on the day of approval.
3. If the interest rate is good, the daily interest rate given by official website will be between 0.02% and 0.05%, and the minimum annual interest rate is 7.2%. The loan interest rate is within the interest rate range stipulated by the state. The specific interest rate is subject to the actual examination and approval, and the interest on borrowing money in good times is reliable.
4. Credit information will be connected to the central bank's credit information system, and bank loans will definitely be checked, and will be recorded in the personal credit information report after the deadline.
It is easy to pass the exam. Users can apply as long as they have a stable job and a good personal credit record, and can increase the quota and pass rate by certifying social security provident fund and other auxiliary conditions. Note: There may be a return call during the audit, so just pay attention to answering it, pay attention to repayment on time, and don't be overdue.
First, the definition of online lending peer-to-peer lending is actually not difficult to understand. All processes, such as authentication, bookkeeping, clearing and delivery, are completed through the network, and both borrowers and borrowers can achieve the purpose of lending without leaving home. And the general amount is not high, unsecured, pure credit lending.
Secondly, peer-to-peer lending is also divided into b2c and c2c modes. Introduction of C2c mode -P2P mode. P2P is the abbreviation of pear to pear, which means person to person. P2P lending is translated as "loan for all" in Chinese, which means person-to-person lending. The characteristic of online lending is zero cost: the demander can find the fund provider without paying any fees. Fast: quick release, quick participation and quick transaction! Convenience: loan demanders no longer need to compare and choose banks one by one to find the most favorable suppliers. A fair, transparent, stable and efficient online interactive platform has been built for individuals with financial and capital needs, and an online lending model has been formed. For example, the "mutual benefit loan" model: users can obtain credit rating on mutual benefit loans, issue loan requests to meet their personal financial needs, and also lend their idle funds to individuals with good credit and financial needs through mutual benefit, thus obtaining a good return on capital while helping others.