The unsecured loan business is mainly handled by banks, loan companies and electronic financial institutions. At present, the domestic banks with unsecured loan products include Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo. Loan companies include CreditEase, Urgent Loan, Zhongan Credit, and a large number of loan companies in the name of guarantee and consultation. Electronic financial institutions mainly refer to p2p-based websites, that is, the Renren loan model. At present, unsecured loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. At present, the unsecured loans officially promoted in China are unsecured loans, such as the cash loan group launched by Standard Chartered Bank, which can lend 8,000 yuan to 20,000 yuan. This kind of products launched by banks are also characterized by low quota, high threshold and slow procedures. The unsecured credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are commonly known as usury. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items, and the actual loan cost is much higher than the publicity interest rate. Peer-to-peer e-finance of the Renren loan model is not too fast, and the speed is between the loan company and the bank. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.

Edit the introduction of unsecured loan projects of major banks in this paragraph.

Postal savings loans are less than 65,438+million. Need a guarantor. The credit lines of white-collar loans in Bank of Ningbo are 50,000, 65,438+10,000,1.5,000 and 200,000 respectively. It is valid for three years, recycled, borrowed and returned, with daily interest. Personal credit can also apply for unsecured loans. Bank of Ningbo launched the "white-collar customer recruitment plan" for Nanjing civil servants, teachers, doctors and other people, which was officially launched in April. It is understood that the credit line of this loan is 50,000, 65,438+10,000,1.5,000 and 200,000. It is valid for three years, recycled, borrowed and returned, with daily interest. The loan interest rate is linked to the customer's investment, and the lowest benchmark interest rate is lowered 10%. Borrowers can handle the issuance and return of loans through business counters or contracted online banking as needed. Unsecured Personal Loans of Standard Chartered Bank The unsecured personal loans launched by Standard Chartered Bank in five major cities in China are "current loans", with a maximum loan amount of 200,000 yuan and a minimum loan amount of 8,000 yuan; The longest loan period is 4 years and the shortest is 6 months. Consumers can apply for Standard Chartered Bank as long as they have a stable job and income without any guarantee or mortgage. Ping An Bank's "Ping An Easy Loan Insurance"

It is a credit guarantee insurance product for ordinary residents to develop unsecured loan business. As long as the insurance is successful, the insured can apply for small loans issued by Ping An Bank (the cities that have not opened Ping An Bank are cooperative banks for Ping An Easy Loan Insurance, such as Nanjing Bank in Nanjing and Hangzhou Bank in Hangzhou), without mortgage or guarantee, with simple procedures, flexible term and quick approval. Ping An will sign a "credit guarantee insurance" policy with customers if it is confirmed that the applicant has sufficient repayment ability after examination. When customers have credit insurance, it is equivalent to having Ping An Group as a credit guarantee. Ping An Easy Loan was officially renamed as "Ping An Easy Loan Insurance" in early 2009, and positioned as a credit guarantee insurance product to help customers quickly obtain unsecured loans from cooperative banks. At present, the China Insurance Regulatory Commission has approved Ping An Easy Loan Insurance to operate this product in 27 provinces across the country. Ping An Easy Loan is a new mortgage-free product launched by China Ping An Group, and it is a credit guarantee insurance product for ordinary residents to carry out unsecured loan business. As long as the insurance is successful, the insured can apply for a small loan (65,438+0,000-65,438+0,500,000) issued by the cooperative bank, without mortgage or guarantee, with simple procedures, flexible term and quick approval. Features: fast approval period, flexible service, intimate repayment and easy "safe and easy loan insurance". The conditions for applying for the loan are China nationality (excluding residents from Hong Kong, Macao and Taiwan), age 2 1-55 years old, living in the applied city, working in the current unit for 6 months, and earning 2,000 yuan per month. Zhongan Xinye unsecured loan is a fast, simple, mortgage-free and guarantee-free microfinance service provided by Zhongan Xinye for individual industrial and commercial households, small business owners and individuals. Since 2004, when we began to explore mortgage-free and guarantee-free micro-loans, we have accumulated the largest amount of loans in China and served the largest number of customers. The World Bank, China Development Bank, China Bank and China Construction Bank all entrusted Zhongan Xinye with loans. There are dozens of convenience outlets in Shenzhen, Beijing, Hebei, Fujian, Guangdong, Sichuan, Zhejiang and other places, and nearly a thousand employees specialize in small unsecured loans. Fast and simple, no mortgage, no guarantee If the loan is unsuccessful, there is no charge. Mortgaged/unsecured microfinance for small and medium-sized enterprises is a brand-new financing product first launched in China according to the business scale and expanding demand of small enterprises. It has simple procedures, quick approval and timely lending, thus helping you solve the financing dilemma and meet your demand for liquidity. Mortgaged/unsecured loan: Easy and convenient loan method provides tailor-made financing services for manufacturing enterprises, trading companies and service enterprises with at least two years' operating experience. If you have certain real estate as collateral, you can get a certain amount of loans from banks. Unsecured loans must meet the needs of manufacturing enterprises with at least two years of operating experience, trading companies with at least three years of operating experience and service-oriented enterprises.

Edit the unsecured loan application process of this bank.

(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information;

(2) Provide stable address, housing lease contract, utilities, property management and other related information; (3) provide a stable source of income, bank running list, labor contract, etc. However, following this process will take you a lot of time. Ping An Bank can directly fill in the new loan application form online, and professional customer service can provide you with advice, which can reduce a lot of time and is simple and convenient.

Edit this opening process.

Enterprises apply for loans in banks (enterprises pre-evaluate collateral). After the approval of the bank, the enterprise signs relevant contracts with the guarantee company and the bank (handling collateral insurance and collateral registration). Banks issue loans and enterprises repay them on time.

Edit the independent repayment method of high loan amount in this paragraph.

L provide enterprises with unsecured loans with circulating working capital within six months to three years, or mortgage loans of 1 to 10 years. Acceptable collateral: houses, commercial houses and industrial plants (property rights). L loan amount can be selected according to needs.

L The mortgage loan has a term of 65,438+0 years, during which the interest can be repaid monthly by recycling. What are the benefits of one-time repayment of principal for unsecured loans and mortgage loans from 65,438+0 to 65,438+00? Bank credit-establish bank credit, real credit loans, which can be added, comprehensive credit and revolving loans. Simple application process-simple procedures, quick approval and timely loan. The loan term and amount are appropriate-the loan term is as long as 120 months, and the loan amount is as high as 70% of the assessed value of the collateral. Convenient repayment method-cooperate with the normal cash flow of the enterprise, reduce the interest burden and the capital flow pressure of one-time repayment of the principal at maturity.

Edit the risks and scams of this unsecured loan.

At present, there are a large number of so-called national networking and unsecured personal loan information on the Internet. These so-called "loan companies" and "loan groups" all claim that they can lend you money without limiting where you are and without any mortgage. This kind of information belongs to fraud, please pay attention to the risks: the feature of fraud is 1, and the company name is relatively large. The so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow such company names to be registered. 2. Without an office address, it is impossible to provide a real company business license and personal ID card. 3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China. 4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card. 5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on. 6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is. There will be no pie in the sky. Risk warning: 1. Only a few banks have opened personal unsecured loans for some areas, and it is a formal process: you need to sign the contract in person at the bank and provide the bank statement of the salary card. Please visit the other company on the spot and sign a formal contract. Please keep the copy of the business license and ID card of the other party to distinguish the authenticity. (The authenticity of the enterprise can be inquired through the industrial and commercial website, and the personal ID card can be inquired through SMS or online). Please don't pay any fees before the loan reaches your account.