Kaniu Credit Card Manager is the first APP product in the industry to automatically manage bank cards, and now it can also operate loan business on Kaniu. So what are the loan platforms that cooperate with Ka Niu Credit Card? Come with me to see what platforms are available.
What are the loan platforms that cooperate with Kaniu Credit Card?
1, Zhaolian good-term loan: you can borrow it and pay it back, and it will arrive in the account 3 seconds after the loan.
2. Flying loan: It only takes three minutes to apply, and the maximum credit is 300,000.
3. Pleasant loan: the monthly interest rate is as low as 0.78% and the highest is 65,438+10,000.
4. Xinyi loan micro-loan: intelligent audit, unsecured and unsecured.
5. Real-time finance: fast approval, the fastest 2 minutes loan.
What are the loan application steps of Ka Niu Credit Card Manager?
1. Open "Love Money" and there will be an introduction to the characteristics of loan products.
2. Click "Borrow Now" to proceed to the next step.
3. Determine the loan amount to be applied.
4. Verify the real name information.
5. Verify the application qualification and apply for the next step immediately.
After filling in the loan amount and personal information you need to apply for, the application will help you analyze and estimate the maximum amount, the longest time and the amount you should pay back every month. After submitting the application, the ID card verifies the real name.
The last step is to verify the application qualification with bank cards and Taobao accounts. All the verification can be completed in one page, which avoids the trouble of users in operation.
The above is what I brought to you: "What are the loan platforms that cooperate with Ka Niu Credit Card? Related content of applying step strategy. The loan platforms that cooperate with Kaniu Credit Card Manager are excellent, with lightning approval and fast payment, which is the best choice for friends who need loans.
Which loan platform does Blue Ocean Bank cooperate with?
The loan products approved by Blue Ocean Bank include Xiaohua Wallet, Zhongan Diandian, Blue Mortgage and Xiaokang Loan. After the user applied for a loan, he inquired about the credit report. If Blue Ocean Bank is displayed on the page, the loan is approved by Blue Ocean Bank. For some loan products, the application page will show that the approving agency is Blue Ocean Bank.
Because some loan products are not qualified for examination and approval, such loans need to cooperate with licensed financial institutions. At this time, the loan service is actually provided by financial institutions.
Is the genuine online lending platform cooperating with banks?
A genuine online lending platform not only cooperates with banks, but also cooperates with other licensed financial institutions, such as small loan companies and consumer finance companies. Licensed financial institutions can issue loans, so if the online lending platform does not have the authority to issue funds, it can cooperate with these financial institutions, and the financial institutions will provide the services of issuing funds.
A bank is also a licensed financial institution. Therefore, which financial institution approves the online loan applied by users, please refer to the credit information display.
How do small loan companies cooperate with online lending platforms?
How should microfinance companies cooperate with P2P lending platform? From the perspective of the company's business, this belongs to the problem of how to carry out online loan business through the Internet, which is bound to be very different from the development and supervision of the company's offline business. Both industry and regulators are worried about this. We might as well discuss it in more detail.
First, the relationship between the company and the network.
According to the Guiding Opinions of China Banking Regulatory Commission and China People's Bank (Yinfa [2008] No.23), "A company is a limited liability company or a joint stock limited company established by natural persons, enterprise legal persons and other social organizations without public deposits". It also stipulates that "only when the provincial government can make it clear that a competent department (financial office or relevant institution) is responsible for the supervision and management of the company and is willing to assume the responsibility of the company's risk disposal can pilot companies be established within the province (autonomous region, city) and county." In other words, under normal circumstances, the company's business scope is regional, and it can only carry out business within the county scope of a certain province (autonomous region, city) according to the approval.
According to the People's Bank of China, Ministry of Industry and Information Technology, Ministry of Public Security, Ministry of Finance, State Administration for Industry and Commerce, Legislative Affairs Office of the State Council, Industry Supervision and Management Committee of Bank of China (60 1988), Securities Regulatory Commission, China Insurance Regulatory Commission and National Internet Network, we should abide by the existing corporate supervision regulations, give full play to the advantages of online lending, and strive to reduce the financing costs of customers. In other words, the network is controlled by an "Internet enterprise" and provides services to customers through the Internet, and its business form is obviously different from that of companies generally engaged in offline business. Online merchants are the result of cooperation between internet companies and companies.
Second, the relationship between network and personal peer-to-peer lending
According to the Guiding Opinions, peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. P2P loan business is supervised by China Banking Regulatory Commission. The Guiding Opinions stipulates that "personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Personal peer-to-peer lending should adhere to the platform function and provide intermediary services such as information exchange, matchmaking and credit evaluation for investors and financiers. Personal peer-to-peer lending institutions should clarify the nature of information intermediary, mainly providing information services for direct lending by borrowers and lenders, and not providing credit enhancement services or illegal fund-raising. "
As can be seen from the above provisions, personal peer-to-peer lending belongs to online private lending, and the peer-to-peer lending platform that provides personal peer-to-peer lending services belongs to the nature of information intermediary, which is subject to the Contract Law, General Principles of Civil Law and other laws and regulations and relevant judicial interpretations. Internet is a financial activity specially supervised by the state, and companies conduct business through the Internet.
Third, the company's supervision of Internet business.
2065438+In August, 2005, Article 50 of the Regulations on the Administration of Non-deposit Lending Institutions (Draft for Comment) drafted by the People's Bank of China stipulated that "the banking supervision institution in the State Council shall formulate rules for network supervision". However, the regulations have not been officially promulgated, and the "regulatory rules" for the network have not been formulated. Because the company is approved and supervised by the provincial local government, some local regulations have been issued for the company to carry out Internet business.
The "Measures for the Supervision of Companies in Shanghai" issued in September 20 16 stipulates that "companies initiated by large Internet service enterprises and mainly engaged in network business, as well as companies initiated by well-known financial institutions (or financial holding groups) at home and abroad and introducing advanced microfinance technology, can be further supported in terms of shareholding ratio and enterprise name. However, the regulatory requirements for the "small amount and dispersion" of its loans should be improved accordingly. "
20 15, 15 In February, Chongqing issued the "Guidelines for the Supervision of Corporate Online Lending Business in Chongqing (Trial)", which stipulated the related issues of corporate online lending business supervised by Chongqing. 20 16 10 Chongqing issued the notice on adjusting the relevant regulatory provisions of Chongqing companies, which further stipulated the cooperation between Chongqing companies and online platforms.
Four. Relevant regulations of Chongqing Company on developing online loan business
Chongqing's regulations on the company's online loan business are relatively systematic. Personally, I think that the relevant regulations in Chongqing will probably have a great impact on the State Council's formulation of network supervision rules applicable to the whole country in the future. Chongqing has stipulated the approval, filing, business content and risk control of the company's online loan business.
(1) The company needs approval before it can carry out online loan business.
The company's online loan business is essentially a breakthrough or expansion of business scope, so it must be approved by the competent department. The second paragraph of Article 9 of the Supervision Guidelines for Online Lending Business of Chongqing Companies (Trial) stipulates that "the company's application for online lending business shall be reviewed by the district and county financial office and the municipal financial office. After the successful trial operation of online lending business, it shall be reported to the municipal financial office for the record before it can be officially operated"; Article 29 stipulates that "anyone who engages in online loan business without authorization shall be ordered to stop the illegal act and take corresponding regulatory measures according to the seriousness of the case."
(2) The company must cooperate with a compliant peer-to-peer lending platform and need to file a record.
The risk prevention and control of corporate online lending business is naturally concerned by the regulatory authorities. The establishment of information intermediaries in peer-to-peer lending and major events needs to be filed with the local financial regulatory authorities as required. Therefore, in order to facilitate the cooperation between regulatory companies and peer-to-peer lending platforms, it is necessary to file with the local financial regulatory authorities. Article 13 of the Supervision Guidelines for Online Lending Business of Companies in Chongqing (for Trial Implementation) stipulates that "when adding new network platforms and loan products, companies engaged in online lending business shall have a trial operation period of not less than 15 days, and submit the following materials to the district and county financial offices and the municipal financial offices for the record within 15 days of official operation"; Article 14 stipulates that "if the company terminates the online loan business of all or part of the online platform, it shall report to the municipal finance office and the district and county finance office within 30 days before the termination".
The Notice on Adjusting Relevant Regulatory Provisions of Chongqing Company further stipulates that "an Internet platform that has been operating normally for more than one year should be selected to build its own online loan business and data system, and the system holds or owns relevant data for credit risk control with the platform"; "As a lender, the company can cooperate with peer-to-peer lending information intermediaries to obtain loan customers, and should cooperate after filing, and strictly abide by the provisions of the Interim Measures for the Management of Business Activities of Peer-to-Peer Lending Information Intermediaries."
As for the specific relationship between the peer-to-peer lending platform and the company, the regulatory authorities have not made specific provisions. Generally speaking, as long as the establishment and operation of both parties comply with laws and regulations. According to the Guiding Opinions, the Internet is "provided to customers by Internet companies through companies controlled by them", so companies can set up peer-to-peer lending platforms by themselves or their related parties to cooperate with them, or they can cooperate with other compliant peer-to-peer lending platforms through agreements. In short, there is only one requirement for the regulatory authorities, namely "compliance".
(3) The company can only lend money through the online platform.
Article 20 of the Interim Measures for the Pilot Management of Companies in Chongqing (Y.F.F. [2008] No.239) stipulates that "with the approval of the Financial Office of the municipal government, companies may engage in the following businesses: (1) handling various loans; (2) Discounting bills; (3) Handling the transfer of assets. " In other words, in addition to business, Chongqing company can also discount bills and transfer assets.
But the company can only lend money through the online platform. Article 6 of the Supervision Guidelines for Companies in Chongqing to Carry out Online Loan Business (Trial) stipulates that "the business scope and business area of companies that carry out online loan business are the same as those that cannot carry out online loan business except for self-operated loan business for the whole country through online platforms".
The Notice on Adjusting Relevant Regulatory Provisions of Chongqing Company further stipulates that "the company shall not recommend borrowers for peer-to-peer lending information intermediaries, and shall not transfer assets (or creditor's rights) with peer-to-peer lending information intermediaries." In particular, companies cannot raise funds for themselves through the Internet. In this regard, Article 6 of the "Guidelines for the Supervision of Online Loan Business of Chongqing Companies (Trial)" stipulates that "it is not allowed to integrate funds into the company through online platforms".
(IV) When conducting online loan business, the company shall establish and improve the risk management and control system of online loan business.
Compared with the traditional offline business, the network identification and control in P2P lending business has obviously different characteristics, and it is also different from the information platform of P2P lending information intermediary. Risk control is particularly important for companies to lend with their own funds. The regulatory authorities in Chongqing also attach great importance to this point. Article 15 of the "Guidelines for Supervision of Online Lending Business of Chongqing Companies (Trial)" stipulates that "companies should carefully choose cooperative network platforms, strictly review the legitimacy of platform institutions and the compliance of operations, and confirm that the way companies obtain data is legal." ; Article 16 stipulates that "the company shall establish and improve the risk management and control system of online loan business, establish and improve the management system and risk control measures, and effectively identify, evaluate, monitor and control loan risks." The Notice on Adjusting Relevant Regulatory Provisions of Chongqing Company further stipulates that "circumstances that may lead to significant credit risks (including but not limited to the change of the actual controller of the company and the cancellation of the platform operation qualification, etc.). It should report to the municipal, district and county financial offices in a timely manner. "