Loan platforms that need to open members to borrow money are generally informal and unknown small loan companies that do not hold financial licenses, and such loan platforms may charge unreasonable fees other than membership fees.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Three-sex principle
The "three principles" refer to safety, liquidity and efficiency, and 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, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a 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, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Potential borrower
natural person
Legal person or its representative-enterprise legal person and institution legal person
Other economic organizations or their responsible persons
Natural persons, legal persons, other economic organizations or their agents
Can minors get loans?
Only minors are allowed to apply for student loans for poor college students, and minors are not allowed to apply for other loans. Loan is a civil act, and the most basic requirement is that the loan applicant should have full capacity for civil conduct.
Minors are people with limited or no capacity for civil conduct, and such people are not allowed to apply for loans even if they have a stable income.
At present, only underage students are allowed to apply for special loans for college students, so as to ensure the needs of underage poor students to go to college. You need an admission notice, a school certificate and a local poverty certificate to apply.