1. Nanjing Hi-Tech Microfinance Co., Ltd. was established on 20 1 165438, and its business scope includes granting loans to small and medium-sized technology enterprises, venture capital, providing financing guarantees, providing business agency for financial institutions and other businesses approved by regulatory authorities. (Projects subject to approval according to law can only be operated after approval by relevant departments)

Two: The certificate mentioned here refers to the business license of the lending institution. Any formal company is registered in the relevant departments. Therefore, users can inquire whether the company has a formal business license; Does the company's business scope include financial or investment projects?

How to tell whether a small loan company is formal?

1. The word "small amount" will be reflected in the unit name of regular small loans. Small loan companies will have the bronze medal of "unified logo" supervised by the Provincial Finance Office, and the unified number of the whole province will be displayed at the upper right of the bronze medal.

2. The formal loan procedures of small loan companies will be more complicated, such as ID cards, proof of income and so on. The purpose is to ensure that the borrower has the ability to repay on time.

3. Microfinance companies provide loan services for people with financing needs. Do not provide financial services. If a microfinance company has the so-called "service" to absorb public deposits, it may be suspected of illegal fund-raising. Not a regular microfinance company.

4. As for the interest rate that customers are most concerned about, due to the provisions of national laws, the annualized interest rate of microfinance companies should not exceed 4 times of the bank's benchmark interest rate, and the monthly interest rate is about 2 cents. For the service fee of small loan companies, it is required to be no more than 3 cents of the total loan amount. If the interest rate is higher than 4 times, it is illegal.

5. When signing a loan contract, a small loan company needs to show the "business approval" issued by the Provincial Finance Office in addition to the business license and other documents.

For customers who do not meet the bank loan audit, microfinance companies are better financing methods. Microfinance companies are one of the lending institutions that effectively solve the financing difficulties of small and micro enterprises and individuals. High efficiency and speed, but the interest rate is higher than that of banks.