There is a company in Hangzhou called Remittance and Loan Bank. Actually, it is an investment company, not a formal bank. As long as it is a foreign exchange investment company, it should be unreliable. It is a personal investment company bank with an online platform. You can search the website and check the relevant information. You need to log in to the real-name registration system to enter the website of this foreign exchange bank. Therefore, it is not reliable to say that there is a company called Huidai Bank in Hangzhou.
Whether in your loan or in the small details of your life, personal credit information is everywhere, mainly divided into the following categories:
1, arrears of water charges, telephone charges and other related expenses will affect your personal credit, so Jin Fang Bian Xiao reminds everyone to pay attention to the small details in life.
2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, while credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system.
3. The borrower applies for personal loan default. The loan principal and interest are not repaid or the guarantor is repaying; Those who repay their debts with assets in the near future and within two years will also be included in the credit record list.
4. The borrower's credit card is overdue. This is the most common situation in rasterization. If the cardholder forgets to repay the loan or has been in arrears, 1 year will be recorded if the number of repayments exceeds six times.
Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).
credit risk
The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.
Lack of effective supervision means
Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.