2. Review it again. According to the relevant regulations, the handling personnel should take reasonable measures to review the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness;
3. recognition. The authorized approver will finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, economic situation, credit standing and guarantee situation;
4. distribution. After the loan conditions are implemented, the customer can apply for the loan amount from the loan bank at any time according to the capital demand;
5. Post-loan management. The loan bank shall supervise and inspect the borrower's income and loan use in accordance with the relevant provisions of loan management, and the inspection results shall be recorded in writing and filed;
6. Loan recovery. According to the repayment plan and repayment date agreed in the loan contract, the borrower repays the principal and interest in full and on time on the repayment due date, and this microfinance process ends.
Yirendai (NYSE: YRD) is an online financial service platform in China, which was launched by CreditEase on 20 12. Yirendai provides credit loan consulting services for white-collar workers in China through the Internet, big data and other scientific and technological means, and provides financial consulting services for investors through the online platform of Yirendai.
Pleasant loan is committed to making the demand of customers at both ends of the loan more secure, efficient, professional and standardized. By establishing, releasing and creating credit value, we can arouse the public's attention and recognition of credit value, make credit truly become the carrier of value, and promote the development of inclusive finance.
References:
Yirendai Baidu Encyclopedia