No, online merchant loans are owned by online merchant banks, but the cooperative institutions of online merchant loans are not limited to online merchant banks, but also include Guangfa Bank, Huarong Xiangjiang Bank and Guangzhou Bank. Ping An Consumer Finance is not an online loan. Online lending refers to peer-to-peer lending, while the business of consumer finance companies is mainly to issue small loans and personal consumption loans. Although you can apply through online channels, it will not be classified as an online loan. If the whole application process of a loan product is conducted online, then we can call the product an online loan product. Consumer finance companies sometimes need customers to go to offline stores to sign, which is still different from online loans.
Is it inconvenient for Ping An consumer finance borrowers? Is it useful?
It is very convenient for Ping An to borrow money from consumer finance. Just apply directly on the platform. Still very useful. For example, its quota withdrawal is very simple compared with other platforms, and it can be directly used by mainstream payment tools without withdrawal. Especially if you use it for consumption, the interest rate will be lower than that of direct withdrawal, which is not only more convenient, but also more cost-effective. If it is an emergency, you can use it directly.
Ping' an consumer finance
Ping An Consumer Finance is not an online loan. Online lending refers to peer-to-peer lending, where consumer finance companies mainly issue small loans and personal consumption loans. Although you can apply through online channels, it will not fall into the category of online loans. If the whole application process of a loan product is conducted online, then we can call the product an online loan product. Consumer finance companies sometimes need customers to go to offline stores to sign, so they are still different from online loans.
Online loan
Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system. The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
What platform is Ping An Consumer Finance?
Ping An Consumer Finance is a formal consumer finance platform.
Ping An Consumer Finance Company mainly issues small loans and personal consumption loans. Although you can apply through online channels, it will not be classified as an online loan. If the whole application process of a loan product is conducted online, then we can call the product an online loan product.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Repayment method:
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. house
Most banks have adopted this method for commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Does anyone know about Ping An consumer finance?
Ping An Consumer Finance Co., Ltd. was established on April 9, 2020 with a registered capital of 5 billion yuan, of which Ping An Group contributed 65.438+0.5 billion yuan, holding 30% of the shares.
Ping An Consumer Finance is a formal company, which was established with the approval of the Insurance Regulatory Commission of the Bank of China, and provides all-round consumer financial services for individual China residents/young consumer groups. As a consumer finance company with the orientation of "technology+finance", Ping An Consumer Finance explores the use of advanced financial technology to empower consumer finance business, promote the upgrading and reform of financial services, and practice inclusive finance.
1. Loans under Ping An Consumer Finance can be repaid in advance. There is no need to pay liquidated damages for early repayment. As long as the page has prepaid options, users can prepay. In addition, after the user prepays, the remaining principal to be repaid will be reduced, and the interest of the remaining principal to be repaid after prepayment will be recalculated, so prepayment will save interest.
2. Ping An Consumer Finance is not an online loan. Online lending refers to peer-to-peer lending, while the business of consumer finance companies is mainly to issue small loans and personal consumption loans. Although you can apply through online channels, it will not be classified as an online loan. If the whole application process of a loan product is conducted online, then we can call the product an online loan product. Xie Libo, vice president of Ping An Bank's automobile consumption finance center, said: "Affected by the environment, some changes have taken place in customer consumption demand. Among them, the progress of science and technology has played a decisive role, and the rapid advancement of digitalization and intelligence has led to the emergence of new consumption concepts. The market is changing, cars are changing, software is changing and people are changing. Post-70s, post-80s, post-90s and post-00s all have different personalities, which leads to the emergence of new consumption, and the new ecology conforms to the new consumption.
3. With the approval of China Banking Regulatory Commission, Ping An Consumer Finance Co., Ltd. (hereinafter referred to as Ping An Consumer Finance) was established in Shanghai. It is a national popular science consumer finance company that provides all-round consumer finance services for China residents/young consumer groups.