What are the nationally certified lending platforms? Strictly speaking, there are many financial institutions allowed by the state to lend money. If a financial institution holds a financial license issued by the China Banking and Insurance Regulatory Commission, it means that it has obtained the qualification to lend, and the state allows the financial institution to lend. Similarly, the financial institution must also act in accordance with relevant national regulations when lending.
1. Bank small loans. As one of the financial institutions with very strict national supervision, banks basically hold financial licenses. Among its loan products, both the loan interest rate and the loan amount will be strictly in accordance with the rules set by the state. With the continuous development of the mobile Internet industry, many banks now have their own mobile phone micro-loan products. For example, China Construction Bank’s Kuai e-loan, China Merchants Bank’s China Merchants United Futures Loan, Guangfa’s Guangfa Miao e-loan, etc. The characteristic of this type of loan product is that it can be applied purely online and does not require users to apply at the bank counter. They can just download the relevant mobile banking APP and operate it. Whether it is review or payment, it is much faster than ordinary bank loans.
2. Online small loans. There are now many small loan products on mobile phones. Compared with small loan products of banks, the loan interest rates of these small loan software are often higher, but they will also be regulated by the state. within the interest rate. The more well-known ones include Jiebei, Huabei, Weilidai, Alipay Online Merchant Bank, JD.com Gold Bar, etc. The lending companies behind this type of small loan products also hold financial licenses from the China Banking and Insurance Regulatory Commission, which users can check online. According to data from relevant agencies, there are approximately 200 small loan companies that legally hold financial licenses. If users are worried that the loan platform they are using is unreliable, they can also check it. The above is the sharing of relevant content about the "nationally certified loan platform". I hope it can help everyone!