First of all, users can borrow money on Aauto's faster APP platform. However, it should be noted that Aauto Quicker does not provide loan services, but only provides loan channels, so the loans borrowed by users are issued by cooperative lending institutions.

Second, in short, Aauto Quicker is mainly responsible for screening. Of course, in any case, users should maintain good personal credit, have a stable source of economic income, and have the ability to repay the principal and interest of loans on time, otherwise they will not be able to get loans anywhere.

First, how to choose a loan platform?

1. The product should be regular. Whether it is brand or product qualification, it is more reliable to choose regular big brands, certify genuine products, and beware of black loan fraud;

2. Interest and amount are very important. Although the amount of loan platform is generally linked to personal credit, there are many activities on the formal platform, with high amount and relatively low interest. For example, Du Xiaoman's rich consumption is a formal loan app, which belongs to the head. Easy to use, fast to lend and flexible to repay the loan. Users can take the initiative to apply. The interest rate and handling fee of money are transparent, big brands are more reliable, and the interest rate is low. The daily interest rate is as low as 0.02%, and the loan is 10000 yuan. The lowest interest rate is one day in 2 yuan, and the maximum loan amount is 200,000 yuan, which can meet the needs of most borrowers.

2. The simple and popular understanding of e-debt bill credit loan is to borrow money for interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Third, by lending money and monetary funds, banks can meet the social demand for supplementary funds, expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income, promote economic development and increase their own accumulation.

Four, "three principles" refers to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, take safety, liquidity and efficiency as their operating principles, and practice self-discipline."

1. Loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the benefits are good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan will not go wrong.

Verb (abbreviation of verb) microfinance review risk The emergence of loan risk usually begins at the stage of loan review. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) The audit content was omitted, which caused credit risk to bank loan examiners. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and the relevant loan examiners often only pay attention to the identification of documents and lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk.

(3) Many misjudgments are due to the fact that banks have not listened to experts' opinions on relevant contents or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In fact, most loan approval processes are not very strict and in place.