1. The loan products of Beijing Zhonghui Bank are unreliable. I checked the loan qualification of this bank before and found that the so-called loan qualification of this bank is just the so-called special loan. This is a lending institution with the nature of platform and bank, and you can also understand this institution as a loan intermediary. At present, there are many such microfinance institutions on the market. You may receive short messages from these microfinance institutions in your life, saying that you meet the relevant qualifications. However, when you applied in the past, you will find that your qualifications have not passed the examination and your personal information has been included.
Second, such small loan companies generally take the form of mass distribution to attract users. This pattern is very common. For this kind of small loan companies, they will conduct business by mass mailing. After all, texting doesn't cost much, but it can attract many target users. These institutions claim to have so-called special means, but in fact, when users apply for loans, they all follow the normal process. Some users have good qualifications and will meet the relevant loan standards. For those users with poor qualifications, these lending institutions will not lose money.
You should learn to protect your privacy. As I mentioned above, whenever you contact these small loan companies, your personal application records will be collected by these loan companies. In other words, your private information will be leaked. This kind of behavior is very dangerous, which will not only lead to all kinds of harassment in your daily life, but also aggravate your financial risks.
In a word, I don't recommend you to touch the loans of these microfinance companies. You can apply for bank loans through formal channels.