Online loan applications do not require paper materials. As long as the applicant is 22-60 years old (female is no more than 55 years old), he can register by scanning the QR code with his ID card. There is no charge for applying for a credit line.
1. With the development of financial securitization, banks have changed from seller's market to buyer's market. Therefore, it is the main competition for commercial banks to compete for customers with strong strength, high credit and strong repayment ability. When exploring the credit marketing market, investigators accept the applications of lenders and evaluate their credit according to their information. At the same time, investigate the legality, safety and profitability of the loan, measure the loan risk and submit an analysis report.
2. The loan review and issuance review personnel shall review and evaluate the qualifications of the lender according to the report of the investigators, re-examine the loan risks, put forward opinions, and examine and approve according to the prescribed authority or report to the superior for approval. After the loan is approved, negotiate the loan quantity, term and interest rate with the lender, sign the loan contract, and then issue the loan instruction.
3. Inspection and recovery after loan issuance. In order to ensure that the loan can be recovered on time, the bank will regularly or irregularly organize inspectors to investigate the lender's operation and financial situation, pay attention to the use of funds and prevent moral hazard. If the lender fails to repay the principal and interest on time, the bank has the right to take sanctions or recover the principal and interest through legal means to maintain the security of credit funds.
Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending and is regulated by the contract law, general principles of the civil law, relevant judicial interpretations in the Supreme People's Court and other laws and regulations. Internet micro-credit refers to the micro-credit provided to customers by Internet companies through their holding micro-credit companies. Network microfinance should meet the existing regulatory requirements of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. The online loan business is supervised by the CBRC.