1. What kind of financial needs can loans meet for individuals and enterprises?
Meet the needs of personal consumption and the needs of enterprises for investment development and expansion of operations.
2. The significance of the development of personal loan business to financial institutions is (). A． Can bring new sources of income to commercial banks B. Can meet the effective consumption needs of urban and rural residents C. Yes...
Correct answer: AC
Analysis: For financial institutions, personal loan business has two aspects that can bring new sources of income to commercial banks. In addition to interest income from personal loans, commercial banks usually also receive some related service fee income. ② Personal loan business can serve the purpose of risk control. The most taboo thing for commercial banks is excessive concentration of loan disbursement. Whether it is the concentration of individual loan customers within an industry or a region, personal loans are different from corporate loans, and therefore can become a commercial bank. The best answer is the AC option.
3. What conditions must be met for micro-industry loans?
What are the requirements for micro-industry loans for enterprises: The application conditions for micro-industry loans are: the enterprise has been operating for two years and has more than two years of experience Business data; the value-added tax amount in any one of the past two years is not 0; the applicant needs to be a legal representative, and the personal credit report is good; there are no tax overdues in the past 6 months; the enterprise's tax grade is A/ B/C/M; Enterprises are in areas open to micro-industry loans. Enterprises that meet the above conditions can try to apply for micro-industry loans. The application channels for micro-industry loans are the official WeBank and the online tax service hall of the Shenzhen State Taxation Bureau. The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing! Recommend you Du Xiaoman Finance (formerly Baidu Finance) for money-to-spend loans. The borrower only needs to provide a second-generation ID card and bank card, and must be between 18 and 55 years old. The approval is very fast, as fast as 30 seconds. The loan Funds can arrive in your account in as little as 3 minutes. You can borrow up to RMB 200,000, with a minimum daily interest rate of 0.02%. Du Xiaoman - If you have money to spend (batch in seconds), click to measure the amount online
As a reminder: after the limit is exceeded, try to withdraw the full amount, because risk control is dynamic. Not many people can lend money now. If you have needs, it is recommended to withdraw the full amount. Early settlement and repayment is supported after the first installment. Many people don’t have enough money to spend, so you can try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict! 360 IOU is a financial subsidiary of 360 Anti-Virus Software, and Fenqile is a subsidiary of Lexin. They are both large companies. 360 IOU can borrow up to 200,000! Click to measure the amount online
You can borrow up to 50,000 in installment loan! Click to measure your amount online