It is an ant platform. Ant Yongbei is a newly launched small-amount, short-term loan named after Ant. This loan has a very low application threshold, and the probability of approval is very high. The current quota opened by Ant is 1,600 to 5,000 yuan, and the period of use is about 7 days. The first payment quota is generally around 1,600 yuan, but only 1,100 yuan is actually received. Therefore, its handling fee is very high, but if you are not very short of money, it is not recommended to get a regular loan.

Microcredit

1. Review risk

The occurrence of loan risks often begins at the loan review stage. Based on the disputes that occur in judicial practice, It can be seen that the risks that arise during the loan review stage mainly occur in the following links.

(1) Omissions in the review content may cause credit risks to bank loan reviewers. Loan review is a meticulous work that requires investigators to conduct systematic inspections and investigations on the qualifications, qualifications, credit, and property status of the loan subject.

(2) In practice, some commercial banks do not conduct due diligence, and the relevant loan review personnel often only focus on the identification of documents and lack due diligence. In this way, it is difficult to identify fraud in loans. It is easy to create credit risks.

(3) Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or having professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.