The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.

The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.

1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.

If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.

In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.

What are the lending institutions? What are the lending institutions?

Lending institutions include various banks (state-owned banks, foreign banks and private banks), companies, guarantee companies, finance companies, financial leasing companies, pawn companies, insurance companies with loan business and professional loan companies. These are all related contents of lending institutions.

Specific introduction of lending institutions

I. Banks:

1. Commercial service banks: Generally, commercial service banks only lend money in a short period of time, and the next payment period does not exceed one year;

2. City banks: mainly because local farmers, agriculture and animal husbandry and agricultural economic development trends provide financial services;

3. Preferential tax policies Banks: Generally, they give preferential treatment in terms of loan operation scale, term and annual interest rate.

Second, the theme financial company:

1. Auto finance investment company: financial and non-bank financial enterprises that buy cars and serve customers for lenders;

2. Consumer credit enterprises: non-bank financial enterprises that provide transactional loans to individuals.

Third, private lending institutions:

1. Small loan enterprise: it does not absorb the savings of the masses, has the assets of an independent legal representative, and bears legal responsibility for its creditor's rights and debts with all its assets;

2. Pawning company: an informal marginal financial enterprise with an alias of pawning and issuing pledged loans.

Four. Non-bank financial institutions:

1. Loan enterprise: A loan enterprise is a limited liability company enterprise fully funded by a regional commercial service bank or a rural cooperative bank;

2. Insurance companies: loans brought by insurance companies;

3. Agency bookkeeping companies: most of them are subsidiaries of commercial service banks, which digest and absorb savings and issue loans;

4. Trust is a financial product with variable loan interest, which is generally affected by the financial requirements of investment.

This article mainly writes about the relevant knowledge points of lending institutions, and the content is for reference only.

Which banks can choose loans? Understand these financial institutions first!

Nowadays, many people are short of money. For office workers, the monthly income is fixed, and it is difficult to raise enough funds for emergencies. So which bank loan is better? At present, there are many different financial institutions in China, and everyone should know how to choose them.

I. Classification of banks

1, state-owned bank. We are familiar with state-owned banks and policy banks, such as China Development Bank, China Agricultural Development Bank, Export-Import Bank and China Agricultural Development Bank.

2. Joint-stock commercial banks. China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and China Bohai Bank.

3. City commercial banks. There are also some regional banks in different cities, such as Changsha Bank, Chaoyang Bank, bank of luoyang Bank and Jinzhou Bank, which provide financial services to local citizens.

4. Rural credit cooperatives, namely rural credit cooperatives, rural commercial banks and rural cooperative banks, are suitable for farmers to handle financial business.

5, investment banks, usually in some areas you can see Goldman Sachs Group, Morgan Stanley, Citigroup, Wells Fargo, Societe Generale and so on.

Second, which bank is better for the loan?

1, state-owned bank. If the pursuit of low loan costs, it is more appropriate to go to state-owned banks, because the rate is relatively low, but the application threshold is high and the service attitude is not as good as that of joint-stock commercial banks.

2. Joint-stock commercial banks. There are many domestic outlets, good service attitude and many products. Most users choose these banks, which is convenient for application and quick for payment.

3. City commercial banks. In fact, local city commercial banks also have some high-quality credit products, which can be learned if necessary.