JD。 COM's spot consumer financial products are formal. Instant Consumer Finance is a licensed financial institution approved by China Banking Regulatory Commission. It mainly includes three loan products: Anyihua, Instant Finance and Instant Installment. In JD.COM channel, we should pay attention to whether the source of funds is spot consumer finance. If there is, it will be in the form of a joint loan with JD.COM, and JD.COM will be responsible for the diversion, and instant consumer finance will provide funds.
Second, is consumer finance reliable immediately?
It is more reliable, but the loan interest of instant consumer finance is high, and the audit is difficult to pass. You can understand it through the following loan interest of instant consumer finance. It is understood that the spot loan interest is 1.4% and the daily interest is 0.0483%. If you borrow 8000 yuan for one year, the immediate financial interest is 8000×1.4 %×12 =1344 yuan. It is understood that the spot loan amount is between 1 1,000-8,000 yuan, and the loan term is generally 6, 9, 12 months. Let's compare immediate financing and borrowing. For example, borrowing money to go to the street costs 3000 yuan/minute 12 months. This is Bian Xiao's monthly repayment amount of 268.59 yuan and a * * * repayment amount of 3223.08 yuan. The instant financial loan is also 3000 yuan, which is also 12 months. At this time, the monthly repayment amount is 30 1.36 yuan, and the repayment amount is 36 16.32 yuan. Through this comparison, it can be clearly seen that the interest rate of immediate financing is relatively high, but immediate financing is an independent risk control product, with strict application and review and low pass rate. 1. Instant Consumer Finance Co., Ltd. (hereinafter referred to as "Instant Consumer") is a technology-driven financial institution with a consumer finance license approved by China Banking Regulatory Commission. The company officially started its business in June, 20 15. In 20 16, 20 17, and 20 18, it completed three times of capital increase and share expansion, with a registered capital of 4 billion yuan. The company's business scope includes issuing personal consumption loans, borrowing from domestic financial institutions and domestic interbank lending. Won the top 50 leading financial technology enterprises in China and the top 500 service enterprises in China in 20 19. Instant Consumer Finance Co., Ltd. (hereinafter referred to as "Instant Consumer Finance") is a financial institution approved by China Banking Regulatory Commission. Immediately consumer finance officially opened in June, 2065438+2005, and introduced shareholders such as Chongqing Department Store, Chongqing Bank, Wumart Group, Sunshine Insurance and Zhejiang Commodity City, forming a dynamic diversified mixed ownership shareholder structure. The registered capital reached 4 billion yuan. Immediately, financial lending institutions will go to collect credit information, but only when consumers are overdue will they go to collect credit records. In addition, instant finance, as a formal financial institution, is essential in terms of credit inquiry, whether it is loan threshold, application conditions or credit inquiry. Therefore, most lenders will immediately apply for financial loans and make credit reports.
Third, consumer finance immediately, is the loan safe?
Not bad, the interest rate is high.