For companies, it mainly depends on whether small loan companies have an interface with the central bank's credit information system. A large sum of money has multiple interfaces with the central bank's credit information system.

Intelligent credit service is for credit reporting. A small loan service needs credit if it has money to spend. It will query the user's credit information and select the same information. ...

Second, the credit record at the meeting?

Some of them need credit investigation, depending on what platform you are on. If they are financial intermediaries, they will cooperate with banks and will certainly conduct credit investigation. Like some small private loans, there is no need for credit reporting, but the interest is very high and it is not particularly needed. This is not recommended.

Third, was there a credit record at the meeting?

4. Does Zhongan Small Loan check the credit information?

This is a credit check.

Zhongan inquires about the applicant's personal credit information, income and debt ratio as the audit basis. If the applicant does not meet the application conditions, it will not be able to apply for approval. You can only apply for approval if you meet the application conditions. Therefore, Zhongan checks the credit information.

Zhongan small loan is overdue 1 day, which may be exposed in the address book.

A delay of one week is essentially a breach of contract by one party and a delay in fulfilling its contractual obligations. According to the law and the contract, if the breaching party fails to perform its obligations and bears the liability for breach of contract, the observant party can of course go to: Contract Law.

Extended data

If the payment is overdue, there will not only be a late payment fee of 5% of the minimum unpaid part (the minimum is 65,438+00 yuan), but also a penalty interest for the full amount of the bill (five ten thousandths of the daily interest, starting from the day of consumption, resulting in a bad credit record in the Credit Information Center of China People's Bank every month, which will affect the application for credit within two years.

If it is overdue for more than three months or the bank reminds you twice, the bank will freeze your card and put you on the list of prohibited customers (blacklist), and at the same time conduct fraud and malicious overdraft, and enforce it. If you refuse to repay the loan in the future, and the amount owed exceeds 654.38+0 million, you will be sentenced accordingly!

How about Zhong 'an Small Loan?

1. An Co., Ltd., Microfinance Association and People's Bank are licensed institutions. It is qualitatively different from other unlicensed platforms.

2. Zhongan Small Loan was approved by Chongqing Local Financial Supervision Administration in June, 20 17, and obtained an Internet small loan license with a registered capital of 5 10/00000 yuan, mainly engaged in

3. Shareholder background: Zhongan Small Loan is a subsidiary of Zhongan Insurance, which is the first internet insurance company in China. Zhongan Insurance was founded by Ant Financial, Tencent and China Ping An. In addition, Zhongan Small Loan also has a major shareholder: from 2065438 to June 2009, Tianyiyuan, a subsidiary of China Telecom, invested in Zhongan Small Loan.