Nanjing micro-credit loans refer to micro-credit loans provided by banks, social capital and other financial institutions in Nanjing, with the loan amount of 10000 yuan as the unit, which are used by borrowers for business, production and life. Its characteristics are small loan amount and short loan period, which can meet the short-term capital needs of borrowers.

Second, the advantages of Nanjing microfinance

1. Short loan term: The advantage of Nanjing microfinance is that the loan term is short, usually in months, usually less than one year, which can meet the short-term capital needs of borrowers;

2. Small loan amount: Nanjing microfinance amount 10000 yuan. This kind of loan is small, which can meet the borrower's small capital demand and does not require the borrower to provide a large amount of collateral;

3. Simple application: Nanjing microfinance application conditions are relatively simple, and there is no need to provide too much collateral. You can apply for a loan only if the borrower provides valid identity certificate, income certificate and credit record.

Three, Nanjing microfinance application conditions

1. The borrower shall have full capacity for civil conduct and be between 18-60 years old;

2, the borrower should have a fixed source of income, and the income reaches a certain standard;

3. The borrower should have a good credit record and should not have a bad credit record;

4. The borrower shall provide valid identity certificate, income certificate and other relevant information.

Fourth, the repayment method of Nanjing microfinance

1. Matching principal and interest: Nanjing microfinance has two repayment methods: matching principal and interest and average capital, in which matching principal and interest means that the monthly repayment amount is equal, and the monthly repayment amount consists of principal and interest, and the interest decreases month by month. During the repayment period, the principal remains unchanged, and the total interest expenditure remains unchanged;

2. Average capital: Average capital refers to the total amount of principal expenditure during the repayment period, which is composed of principal and interest, with the principal decreasing month by month and the interest decreasing month by month.

Verb (abbreviation of verb) The risk of small loans in Nanjing

1. Credit risk: The risks of Nanjing microfinance mainly include credit risk and liquidity risk. Credit risk refers to the borrower's inability to repay the loan on time due to poor financial situation, reduced income and other reasons;

2. Liquidity risk: Liquidity risk refers to the borrower's failure to repay the loan on time due to poor operating conditions and changes in market situation, resulting in the lender's failure to obtain principal and interest income in time.

Intransitive Verb Nanjing Small Loan Management

1. Management policy: The management of small loans in Nanjing is mainly implemented by formulating relevant management policies, including loan amount management, loan term management and loan interest rate management.

2. Risk control: The risk control of small loans in Nanjing is mainly implemented by formulating a reasonable risk control system, establishing a sound risk monitoring mechanism and implementing strict risk control measures;

3. Supervision and management: The supervision and management of small loans in Nanjing mainly includes regular review and inspection of lending institutions and regular audit of lending institutions to ensure the compliance of lending institutions in management and risk control.