The whole process is like this: for example, Xiao Liu (individual), a citizen with a loan of 6.5438+0 million yuan, came to the registration service center. First, he needs to fill out a personal information form at the counter of the registration center. This personal information form includes identity information, educational background, contact information, loan requirements and so on.
After Xiao Liu fills in one by one, the staff of the registration service center will input Xiao Liu's personal information into the system. The on-site staff said that citizens can also register online.
After registration, Liu Can Jr. found a satisfactory intermediary agency in another window according to his investment needs, and the intermediary agency can directly see the personal information and investment needs of citizens through the registration center system.
Citizen Xiao Li, if he needs a loan of 6,543,800 yuan, can check the supplier information in the registration service center system after registration according to relevant regulations. The registration service center will arrange one-on-one interviews between borrowers and borrowers to determine the loan interest rate and reach a loan transaction. The original and photocopy of my ID card (business license provided by the enterprise where the fund demander is located) and the original and photocopy of the trustee's ID card (if entrusting others); Loan contract and loan registration application form (which can be provided by the registration center); Remittance voucher or receipt. As a platform, the center needs to come to the center for transaction registration after the private lending transaction is successful. There are many financing intermediaries in the center, where borrowers and borrowers can find their corresponding suppliers and demanders.
As for notarization, appraisal and other institutions, they provide services such as contract notarization, asset appraisal, legal consultation and so on for both borrowers and lenders who have successfully matched each other.
After the borrower and lender complete the transfer of funds, they need to provide bank transfer vouchers, loan contracts and other documents to the registration center for filing and registration. The contents of registration include information of both borrowers and borrowers, loan term, interest rate, guarantee measures, liability for breach of contract, etc. Private lending relies on credibility and "IOUs", which often causes many problems of credibility and capital security. Private lending registration service center will try to solve this problem. In addition to providing very standardized loan contracts, the registration service center will also form a supporting service system with the help of lawyers, accountants, notary offices and other professional institutions to control the legitimacy and risks of private lending and minimize legal disputes and lending risks between borrowers and lenders.
The registration service center will strictly control the intermediary agencies stationed in the center. Intermediaries entering the center must set up branches in Wenzhou and hold Wenzhou industrial and commercial business license. At the same time, intermediaries can only provide person-to-person and person-to-company fund matching, and ordinary companies cannot lend funds. In order to prevent intermediaries from operating illegally, the funds of both borrowers and borrowers should be settled directly, and the third-party service intermediary account should not be used as an agent for settlement, which also avoids the possibility that the fund intermediary may earn "interest difference".
When matching funds, intermediaries need to assist lenders to conduct necessary qualification examination on demanders to prevent loans from being used illegally. As for the loan interest rate, the borrower and the lender negotiate directly, and the intermediary charges a certain fee, but the comprehensive cost paid by the demander cannot exceed four times the bank loan interest rate.
As the only local intermediary in the service registration center, Wenzhou Economic Information Consulting Co., Ltd., the director of Zhejiang Law Firm, strictly believes that in the past, due to information asymmetry, the monthly interest rate of private lending was as high as 3 points and 4 points. The establishment of the registration service center can effectively promote the sunshine of private lending and effectively reduce lending interest through market competition.