Simply put, you buy Ping An insurance, and he gives you a loan from the bank. Be your guarantor safely. You pay for this. If you don't pay, it will return the money to the bank.
2. What is this kind of personal consumption loan guarantee insurance?
Personal consumption loan guarantee insurance covers the risk that the insured (borrower) cannot repay the due loan within the time limit stipulated in the loan contract. When the borrower fails to repay the loan on time, the insurer shall bear the repayment responsibility. I. Definition of personal loan guarantee insurance 1. Personal loan guarantee insurance is a guarantee insurance product with the credit risk in the loan relationship as the insurance target. The borrower of this product is the insured and the lender is the insured. Its function is to provide credit support for borrowers with financing needs and provide risk protection for lenders' capital losses. 2. The main function of personal loan guarantee insurance is to provide credit enhancement support for customers who cannot obtain loans directly from banks. Borrowers can choose whether to buy loan guarantee insurance products according to their own conditions, rather than having to buy them in the process of handling loans. Therefore, the purchase of loan guarantee insurance should be the decision of consumers with financing needs after rational choice. I. Description of Personal Loan Guarantee Insurance (1) Before purchasing loan guarantee insurance, the insured should fully understand the functions and characteristics of loan guarantee insurance products and decide whether to purchase them according to their own economic ability and actual needs. (2) When purchasing loan guarantee insurance, the insured shall ensure that it is purchased by himself, and avoid entrusting others to operate on his behalf and not telling others personal information at will. Before signing an insurance contract, the applicant should carefully read the introduction of insurance products, insurance liability, consequences of breach of contract, compensation treatment and so on, and sign an insurance contract seriously. (3) After purchasing loan guarantee insurance, the insured shall not only repay the loan principal and interest as agreed in the loan contract, but also pay the insurance premium to the insurance company as agreed in the insurance contract; If the insurance company obtains the creditor's right to the insured after fulfilling the insurance compensation responsibility, the insured needs to fulfill the repayment obligation to the insurance company. Second, the relationship between loan guarantee insurance and loans 1, loan guarantee insurance is based on consumers (borrowers) as policyholders. 2. Lenders (lenders) are the insurance products of the insured. When the consumer fails to fulfill the repayment obligation as agreed in the loan contract, the insurance company will make claims to the lender according to the insurance contract. 3. This kind of insurance is different from traditional life insurance, accident health insurance and property insurance. It provides credit enhancement service for consumers with financing needs and improves their success rate in obtaining loans. Consumers can choose to buy loan guarantee insurance according to their own conditions and needs. Insurance is based on loans and cannot exist independently, so it is not compulsory or tied. Consumers who meet the lender's qualifications can apply for loans directly from the lender without buying loan guarantee insurance; Those who do not meet the requirements can purchase loan guarantee insurance and get credit enhancement support.
3. What is the credit purchase of Alipay Ping An Bank?
Credit purchase is the member right of Alipay. If sesame scores more than 650 points, you can enjoy the service of "0 yuan Order, 7-day Experience". If you are dissatisfied with the goods during the experience period, as long as it does not affect the secondary sales, you can return them at any time, without bearing the freight, and the whole process will not cost a penny; Pay when you are satisfied. Even if you forget to pay, Alipay will automatically deduct money during the experience, so don't worry about affecting your personal credit.
2. Credit purchase service is a kind of consumer credit service which is fully funded by banks and other financial institutions and provided independently for consumption. The credit limit of credit purchase service shall be determined by financial institutions through independent examination. Bai Hua is an exclusive credit product provided by Ant Financial Services, and its credit line is determined by Ant Financial Services. Credit purchase and flower shop are both formal consumer credit services provided by licensed financial institutions. In terms of quota, after brand isolation, the flower garden will focus on small and medium-sized consumption, follow the principle of inclusiveness and decentralization, and focus on serving the small and medium-sized consumption needs of users in their daily lives. If users have more quota requirements, they can get them through the "credit purchase" service.
4. What is the premium of China Ping 'an personal consumption credit guarantee insurance?
Answer: "China Ping 'an Personal Consumer Credit Guarantee Insurance" is a personal credit loan with a maximum amount of about 654.38+0.5 million, and the loan cost is relatively high, accounting for about 20-30% of the loan amount. Expansion: Ping An Property & Casualty Personal Consumer Credit Guarantee Insurance is an insurance product that helps customers obtain unsecured small short-term loans from banks by providing credit guarantee insurance to individual customers. The risk it covers is the uncertainty of whether customers can repay on time after borrowing from banks. The applicant is a loan customer, the insurer is Ping An Property Insurance, and the insured is a loan bank. When an insurance accident occurs, Ping An Property & Casualty is responsible for making claims to the loan bank according to the corresponding terms. Ping An Property & Casualty's personal consumption credit guarantee insurance solves the problem that individual customers obtain short-term small demand from banks. Ping An Property & Casualty cooperates with a specific bank, and its underwriting risk is audited by Ping An Property & Casualty Credit Guarantee Insurance Division, and the bank reviews its loan risk and