What is CITIC Consumer Finance
CITIC Consumer Finance refers to CITIC Consumer Finance Co., Ltd., which is the 24th consumer finance company approved by the China Banking and Insurance Regulatory Commission. It is composed of CITIC Co., Ltd., CITIC Trust Co., Ltd. and Kingdee Software (China) Co., Ltd. were jointly invested and established by three shareholders *** on June 12, 2019. It is a formal financial institution.
The business scope of CITIC Consumer Finance Co., Ltd. includes: issuing personal consumption loans; accepting deposits from shareholders’ domestic subsidiaries and domestic shareholders; borrowing from domestic financial institutions; issuing financial bonds upon approval; domestic inter-bank lending; and consumer Financial-related consulting and agency business; agency sales of insurance products related to consumer loans; fixed-income securities investment business.
CITIC Limited was established on December 27, 2011. Its registered address is at No. 6 Xinyuan South Road, Chaoyang District, Beijing. Its business scope includes investment and management of domestic and foreign banks, securities, insurance, trusts, and assets. Management, futures, leasing, funds, credit cards and other financial enterprises and related industries.
CITIC Trust Co., Ltd. was established on March 1, 1988. Its business scope includes capital trust; movable property trust; real estate trust; securities trust; other property or property rights trust; as an investment fund or fund management The company's sponsors are engaged in investment fund business; they are engaged in the reorganization of corporate assets, acquisitions and project financing, corporate financial management, financial consulting and other services. Is the credit loan of CITIC Consumer Finance offline? It will be gone after repayment
It is offline. Xinjindai is the first independently developed product of CITIC Consumer Finance. This company was also just established on June 12, 2019. Its shareholders are CITIC Corporation of China, CITIC Trust Company and Kingdee Software (China) Company. However, the Xinjindai product is currently not available on the market. Because Xinjindai has just been released, it will be promoted and tested within CITIC Group and Kingdee Software in the early stage, and then it will be exposed to more office workers from cooperative companies. Therefore, if you are not an employee of CITIC Group or Kingdee Software, you cannot apply for a credit loan for the time being. CITIC Consumer Finance's credit loan is offline, and users will no longer have the software after repaying it. Which loan software is CITIC Consumer Finance?
The online loan platform is more reliable:
1. Alipay-Ant Jiebei
Ant Jiebei is a subsidiary of Alibaba It is a loan product for personal consumption. You can borrow it from Baibei. There is no penalty for early repayment. It is very convenient to use. The loan is very fast. You can get it on Alipay in one second. The daily interest rate is between 15,000 and 65,000. The initial interest rate is high and it is widely used. The repayment is timely, there is no overdue record, the interest rate will gradually decrease, as long as the Zhima score exceeds 600 points, and Alipay is used more, the loan is very good.
2. Doudouqian
Pure credit loan applications are only open to non-student users aged 20 to 50. They are required to submit an application form on the client, take a photo, upload their ID card, and bind The bank card has been certified, and the amount is 3,000~5,000~50,000. You can borrow it for up to 24 months at 0.65-1.79 per month. The system will automatically review it and you can get a loan on the same day at the fastest.
3. Meituan Borrowing Money
Meituan Borrowing Money, an online loan platform, has attracted much attention since its launch and has many customers. The Meituan loan can be repaid in 24 installments, with a daily interest rate of 0.05. Meituan loans do not have high qualification requirements for borrowers. The borrower is over 20 years old and can have a stable source of employment.
I have been engaged in bank credit work for many years. If I want to apply for 1-20W capital turnover by myself, which online platforms are more formal and can easily pass the application by myself? Generally speaking, Baidu (Du Xiaoman) Youqianhua is a platform with a relatively high pass rate. The credit limit is the highest and the interest rate is low. I have a car loan and I was given a credit limit of 9.5W. I recommended it to my colleague who has a real estate loan and was directly granted a credit limit of 18W.
If you have financial needs, we recommend Du Xiaoman Financial’s credit service product Youqianhua, which provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Du Xiaoman Financial APP (click Official free test quota).
The daily interest rate of Youqianhua consumer loans starts as low as 0.02, the annualized interest rate starts as low as 7.2, and the maximum loan amount can be 200,000. The approval speed of Baidu Youqianhua is relatively fast, and the approval can be completed in 30 seconds at the fastest. Usually In this case, the review time will take 2-3 working days.
Reference material: Du Xiaoman Youqianhua official website Which online loan is Bank of China Consumer Finance? Learn about it in one article!
;? There are many online loan platforms, and it is often difficult for loan novices to choose. When some loan novices are choosing a loan platform, they often see the name "BOC Consumer Finance" and ask which online loan BOC Consumer Finance is. Here I would like to introduce to you the situation of Bank of China Consumer Finance. You often see the name BOC Consumer Finance because it has a strong background and operational capabilities. Here I will introduce BOC Consumer Finance to you from three aspects.
Platform background BOC Consumer Finance is an online lending platform under Bank of China and has a consumer finance license issued by the state. In other words, BOC Consumer Finance is a licensed online lending platform owned by the four major state-owned banks. In terms of formality and reliability, BOC Consumer Finance is considered a leader among online loans.
Bank of China Consumer Finance has a large number of loan products, such as the mortgage product "Lexiang Loan", the student aid product "Education Exclusive Loan", the home improvement product "Decoration Exclusive Loan" and so on. In addition, BOC Consumer Finance also has two independent online loan platforms, namely BOC Consumer Wallet and Xinyidai-Micro Loan. BOC Consumer Wallet allows everyone to directly consume online and offline. Xinyidai-micro-loan can provide everyone with cash loans of no more than 20,000 yuan.
Loan management Because BOC Consumer Finance is a relatively formal online lending platform, it has established a connection with the central bank’s credit information system. Once you have serious overdue behavior in Bank of China Consumer Finance, it is very likely to leave a stain on the central bank's credit report.