First, the overview of the two boxes is different:
1. Overview of inclusive finance: It refers to providing appropriate and effective financial services to all social strata and groups with financial service needs at an affordable cost.
2. Overview of general bank loans: refers to an economic behavior that banks distribute funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Second, they serve different people:
1, inclusive finance's clients: small and micro enterprises, farmers, urban low-income groups and other vulnerable groups are its key clients.
2. The service target of general bank loans: qualified individuals or enterprises.
Extended data:
Matters needing attention in general bank loans:
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
Baidu encyclopedia-bank loan
Baidu Encyclopedia-inclusive finance
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