As a guarantor, Ping An Bank needs to provide the following information.

1. Original ID card and household registration book of guarantor.

2. The guarantor's monthly income certificate and running bill.

The loan guarantor is jointly and severally liable for the debt, that is, once the debtor fails to repay the debt, the creditor has the right to ask the guarantor to bear the debt.

Do you need a guarantor for online loans?

Under normal circumstances, online loans do not need a guarantor, and only when handling a relatively large loan amount will a guarantor be needed. When a borrower applies for a loan with a relatively high amount online, the online lending institution will review the borrower's comprehensive qualifications and provide a guarantor when the conditions are not good.

Extended data:

Consequences of non-repayment of online loans:

1, and bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

2, undertake the platform fancy collection.

The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions. There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

3. Facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously.

4. The credit information of China People's Bank is tainted.

At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.

How the network platform loans overdue negotiates;

If the loans overdue applied for on the online lending platform has not been repaid by the customer, if repayment is to be negotiated, it must be made clear that the individual is temporarily unable to repay when contacting the customer service of the platform, because if the customer still has repayment ability, the platform will not negotiate with the customer. Moreover, customers can also provide relevant information as evidence, such as unemployment certificate, proof of termination of labor contract and so on.

Then we should also actively express our willingness to repay, and finally try to put forward an application for extending the repayment period and repaying by installments, and the loan platform will consider it as appropriate. What everyone needs to pay attention to is that the loan platform generally does not have a loan stop service, so it is inevitable to remove interest. However, if the repayment can be postponed, the repayment pressure can also be suspended.

Of course, the loan platform may also reject the customer's application for extension. In this regard, customers must make other preparations. For example, you can try to borrow money from your family and friends around you, pay off the loan first, and then return the money to your relatives and friends when you have money.

Can online lending be a guarantor?

Borrowing online loans can be a guarantor. As long as the user repays each installment on time, the credit report is a record of timely repayment. And the guarantor must have certain repayment ability and stable work and income. Of course, the guarantor is willing to take the responsibility of repayment in place of the borrower when the borrower is unable to repay the loan.

In addition, the guarantor must be a third party, and husband and wife cannot be guarantors for each other, because husband and wife are a whole with the family as the unit.

Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

brief introduction

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance.

At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform.

Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Network refers to the Internet provided to customers by Internet companies through companies controlled by them.

The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.

The uninformed introduction of the online loan guarantor and the online loan guarantor ends here. I wonder if you found the information you need from it?