Without bank cards, there would be no small loans. The reason why borrowers need to fill in bank cards is to ensure the safety of borrowers and small loans. The bank card is a bridge. In case anything happens during the loan period, such as the loan amount has not arrived, the borrower is overdue, etc. , you can go to the bank to inquire about relevant information. If you just transfer the money to WeChat or Alipay, when there is a dispute, either party may be unclear. Therefore, when applying for a loan, the bank card is still very important.

In China, loans are mainly divided into two teams: the national team and the non-governmental team.

The national team is mainly formal national financial institutions, including banks, insurance institutions, non-financial institutions and national consortia.

Folk teams are mainly non-state-owned formal financial institutions, including private lending, underground banks, various small and medium-sized lending institutions, online loans, internet companies and so on.

Under normal circumstances, the national team loan requires a bank card, which is a very formal institution; With the development and expansion of the non-governmental ranks, there are various lending institutions, and there is no rigid requirement for bank cards.

What needs special attention is that the private lending team is huge, especially the popularity of P2P online lending, and various lending institutions and platforms have sprung up in the society to provide loan services, involving many families.

The national team, that is, the official loan financial institutions, all need bank cards for the following three reasons:

1. The main purpose is to lock the identity information of the borrower and make sure that it is my loan, not someone else's impersonation.

2. Collect more detailed information of borrowers, and basically determine income, capital flow, credit information and loan amount through bank cards.

3. The bank card is used to receive loans and is fixed as a repayment card, which is convenient for banks to track the use of funds and whether it meets the regulatory requirements.

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Where can I borrow money? 200 yuan installment payment does not need to be tied with a bank card.

You can also use the following loan software without binding a bank card. First, flash money to send this loan software is suitable for students, office workers and self-employed. It is easy to apply for a loan without a credit card. The amount generally ranges from 500-5000 yuan, which requires sesame credit authorization. II. Follow-up Loan Follow-up loan is a small loan product jointly launched by Shanghai 2345 Hailong Finance and BOC Consumer Finance. You can borrow with your ID card, with a maximum amount of 5,000 yuan. Just download the random loan app to apply for a loan, and you can get the cash in 2 minutes and lend it directly to the bound bank card. Third, the threshold for lightning small loans is low. Just fill in your personal information and you will receive the loan in a few hours. The general loan amount ranges from 1, 000-50,000 yuan, with low monthly interest and flexible term. It can be said that 30 minutes of evaluation and 2 hours of lending. Fourth, hunting horse white stripes Hunting horse white stripes is a small fast loan software. You can get a loan without a credit card if you have an ID card, and you can lend money 1 hour. Download the Hunting Horse White Strip APP to apply for a loan quickly, and the review time is short. Five, borrow money to spend borrow money to spend is to provide short-term, small loan services for borrowers. When the borrower submits a loan application through the Lending Treasure APP, the system will conduct real-time credit verification, and the loan can be released quickly after verification. Provide a loan line of 1-3 months, 2000-5288 yuan.

Can I get a loan without a bank card?

There should be no way to borrow money without a bank card, because generally going to the bank to borrow money will put the money into the bank card account. If you don't have a bank card, the bank can't give you the borrowed money. If you really want to borrow money, you can find some online lending platforms. Some online lending platforms can transfer the loan amount to Alipay and other accounts, so there must be Alipay, Tenpay and other accounts without bank cards. At the same time, some small loan companies may be able to provide cash loans.

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans and interest subsidies? A general term for borrowing funds such as overdraft. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

References:

Baidu encyclopedia-loan