The company is at risk of high loan cost. The application threshold of small loan companies is low, and the risk of lending is naturally relatively large. High-risk and high-profit loan industries generally charge higher interest than banks. In addition, there are many loan scams of such companies. There are many lawless elements wearing the "coat" of small loan companies to take action against borrowers who are in a hurry to use money. Therefore, we must be cautious when lending in the company.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.

In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.

The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.

What are the risks of corporate loans? Will face these consequences!

Affected by the epidemic this year, SMEs are facing financing problems and need a lot of money to tide over the difficulties. As a legal person, lending in the name of the company may bear some joint and several liabilities, such as liquidated damages, compensation or continuing to perform debts. What are the specific risks? Let's get to know each other.

What everyone is most worried about is whether the corporate loan will not be repaid and whether the legal person will bear any risks.

1. Generally speaking, the loan repayment shall be borne by the company's property, but not by the legal representative in principle.

In case the company's assets are unable to repay the debts, it can apply for bankruptcy.

But in special circumstances, everyone should pay attention to it, and legal persons should also bear the responsibility. China's company law clearly stipulates:

Article 3 of Article 20: "If a company's shareholders abuse the independent status of the company as a legal person and the shareholders' limited liability to evade debts and seriously damage the interests of the company's creditors, they shall be jointly and severally liable for the company's debts".

Article 64 "If the shareholders of a one-person limited liability company cannot prove that the company's property is independent of their own property, they shall be jointly and severally liable for the company's debts".

A company as a legal person may be investigated for criminal responsibility under any of the following circumstances:

1. To set up a company, you need to register the business scope. If the actual situation is different from the original registration, the legal person shall bear the responsibility.

2. Concealing the real situation from the registration authority or the tax authority and practicing fraud.

3. Hiding, transferring property or evading debts.

4. After dissolution, cancellation and bankruptcy, it is necessary to wait for arrangements and cannot be handled without authorization.

5. Failing to apply for registration and announcement in time at the time of change or termination, thus causing great losses to the beneficiaries.

6, engaged in illegal business, damage the national and social public interests.

If I want to start a small company, is it risky to borrow money from an online merchant bank?

There is basically no risk.

Online merchant bank is an "online bank" founded by Ali, and it is one of the first five private banks in China approved by CBRC. It is supported and protected by the state, and its legitimacy is beyond doubt. In addition, relying on the strength of Ant Financial and Taobao stores, the risk of credit loans will be much reduced. Online merchant banks mainly serve small and micro enterprises, and the amount of corporate loans will be much larger than personal credit loans. If online banking is opened, online transfer is also very convenient.