1. The registered capital of Zhongan Microfinance
Zhongan Small Loan is a formal information intermediary in peer-to-peer lending, registered by Suzhou Zhongan Investment Management Co., Ltd. with a registered capital of 6,543,800,000 yuan. It is a formal peer-to-peer lending intermediary approved by the China Banking Regulatory Commission.
2. The loan process of Zhongan Small Loan
The process of Zhongan small loan is relatively simple. You only need to provide basic personal information, complete the steps of identity authentication, credit authentication and bank account binding, and then you can apply for a loan. After approval, the loan can be released, and the loan amount can reach 500,000 yuan.
3. Risk control of Zhongan microfinance
Zhongan Small Loan takes various measures to control risks, including strict pre-lending audit, improving customer information by using various data sources, comprehensively auditing customer credit status, and adopting accurate risk control strategies to ensure loan safety.
4. Zhongan Small Loan Customer Service
Zhongan Small Loan has a perfect customer service system, provides professional consulting services, provides professional loan consulting services for customers, and provides loan repayment consulting services for customers to ensure that customers' interests are effectively protected.
To sum up, Zhongan Small Loan is a formal loan platform with good registered capital, safe loan process, reliable risk control and professional customer service, which can provide customers with safe and reliable loan services.
Do these microfinance companies belong to private lending?
Small loan companies belong to private lending, which is mainly judged according to the signed contracts. Small loan contracts are generally loan contracts and are protected by contract law.
Financial institutions and their branches that engage in loan business and provide loans and other related financial services approved by the financial supervision department do not belong to the category of private lending.
Extended data
The characteristics of private lending:
1. Private lending has the advantages of flexibility, convenience, high profit and quick financing. Through the market mechanism, we can accommodate all kinds of funds, serve the development of commodity economy and meet the demand for funds in production and circulation.
2. Private lending is voluntary, familiar to both borrowers and borrowers, high in credit, attractive to social hot money, and can absorb a large number of social idle funds and give full play to the effectiveness of funds.
Moreover, its interest rate leverage is highly sensitive, flexible and floating with the market, with less capital retention and simple lending procedures, which saves many intermediate links and improves the utilization rate of funds. First, it can give full play to the expected benefits of funds, which is undoubtedly an effective financing method under the current shortage of funds in China.
3. Private lending is attractive, attracting social idle funds and those intended to expand consumption to the production and circulation field to become production and circulation funds, alleviating the pressure of insufficient bank credit funds to a certain extent, and also playing a certain role in curbing consumption expansion.
Baidu encyclopedia-private lending
Judicial interpretation of small loan companies applying private lending
Legal analysis: small loan companies, pawn shops, etc. Belonging to a financial institution, the judicial interpretation of private lending is not applicable. Small loan companies operate according to market principles, and the upper limit of loan interest rate is liberalized, but it shall not exceed the upper limit set by the judicial department, and the lower limit is 0.9 times of the benchmark loan interest rate announced by the People's Bank of China. The specific floating range is determined independently according to market principles. The loan term, loan repayment term and other contract contents shall be determined by the borrower and the borrower through consultation in accordance with the principle of fairness and voluntariness.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
Is the only house mortgaged to a small loan company a private loan?
What is private lending? As long as it is outside banks and financial institutions, it belongs to private lending relationship.