All banks such as Bank of China and Agricultural Bank can apply for credit loans. The conditions for applying for a credit loan are:

1. The lender is a Chinese mainland resident who is at least 18 years old and has full capacity for civil conduct;

2. The lender's fixed residence at the place where the loan bank is located;

3. The lender has a stable job and income and the ability to repay interest;

4. The lender has a person with economic strength as a guarantee;

5. The lender has good credit and no bad record;

6. The lender's loan cannot be used for stock trading, gambling and other behaviors;

7. The lender can provide proof of financial resources and valid identification;

8. The lender meets other conditions required by the bank.

2. Which banks have credit loans?

In other words, the channels of loans are all channels that can be borrowed in a broad sense, including intermediaries (the existence of this thing is to give you a handling fee and help you find loans from large and small channels); A formal management institution in a narrow sense, a contract signing lender. This time it is actually a channel in a narrow sense, so it is classified by institutions: 1. The bank. Don't be too general; Small demand: credit card (this consumer demand is very practical); General demand: consumer credit loan (5-30w), stable customers with good basic work, which depends on banks, such as China Bank, Huaxia Bank and Shanghai Pudong Development Bank. TZ didn't ask for interest, so it didn't start. Mortgage and real estate mortgage are the mainstream, and basic commercial banks do it. Great demand: commercial loans, credit and mortgages, which are related to banks' preference for enterprises. Summary: In principle, bank interest is the lowest in the market. Of course, there are certain requirements for customer qualifications. Many customers just didn't know their qualifications before. Write a special topic on this topic another day and discuss it. 2. Microfinance companies. This is that the private sector has a lot of capital. Ping An Pratt & Whitney, CreditEase, Jieyue, You and I Loan and other companies. All localities also have their own capital institutions. This is basically a credit loan, with a small amount ranging from tens of thousands to 1.5 million. Secondly, car loans are used for mortgage loans. Generally, there are car loan agencies in the local area. Summary: the interest is basically around 2 points. If the conditions are good, 1 point or more. 3. Online lending institutions. First of all, I am very optimistic about JD.COM White Stripes, Ant Flowers, Ant Loans and Micro-loans. Although they have never been used. . . . . Secondly, many organizations are also doing Internet data uploading and lending, which has not been studied. 4. Parents and friends. This channel is not impossible. When a friend is doing business, his parents owe him 390,000 yuan in interest. . It is really the most cost-effective family financial management. If you don't borrow it, your parents put the money in the bank and he went to the bank to borrow it, right? Even the national benchmark interest rate is ok. . . .

3. What types of consumer credit do commercial banks currently provide?

1. Personal housing loan

(1) individual housing loan (2) individual re-transaction housing loan (second-hand house)

(3) Personal housing provident fund loan (4) Personal housing portfolio loan (5) Personal housing transfer loan (6) Personal commercial housing loan.

2. Personal consumption loans

(1) national student loan (2) personal consumption quota loan (3) personal housing decoration loan (4) general commercial student loan (5) small secured loan for laid-off workers (6) personal durable consumer goods loan (7) personal rights.

3. Personal employment loans

Meaning: 1 Consumer credit is the credit provided by enterprises, banks and other financial institutions to consumers directly for daily consumption.

2. Consumer credit can promote the production and sales of consumer goods under certain conditions, thus promoting economic growth.

3. Enterprises provide customers with credit through credit sales, which also plays an important role in promoting the application of new technologies, the promotion of new products and the upgrading of products.

4. If the consumer demand is too high and the production expansion capacity is limited, consumer credit will aggravate the tension between supply and demand in the market, push up prices and promote false prosperity.

To sum up: Therefore, consumer credit should be controlled in a moderate range.

Four, commercial banks in the loan pricing, for those high-quality customers with high credit rating and long-term cooperative relationship with the bank, can give appropriate interest rate concessions. ...

D

Analysis:

The common risk management strategies of commercial banks can be roughly summarized into five strategies: risk dispersion, risk hedging, risk transfer, risk avoidance and risk compensation. Risk compensation refers to the strategic choice of commercial banks to compensate for the substantial damage caused by their business activities. For example, in the loan pricing of commercial banks, for those high-quality customers with high credit rating and long-term cooperative relationship with commercial banks, low customers can be appropriately given, and the interest rate will rise on the basis of the benchmark interest rate.