Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way. The risk is borne by the lender, and the principal and interest are recovered by the lender.
Extended data:
Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The lender (trustee) only charges the handling fee and does not bear the loan risk.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.
At present, credit loans are mainly handled by banks, loan companies and electronic financial institutions.
Conditions for applying for a credit loan:
1. China citizens with permanent residence in China, permanent residence in local towns and full capacity for civil conduct.
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in a bank;
6. Other conditions stipulated by the bank.
In addition to the above basic conditions, borrowers with one of the following specific access conditions are special access customers for credit loans:
(1) Senior and middle managers and senior professional and technical personnel who are high-quality corporate customers of banks;
(2) Personal assets of more than 2 million yuan (inclusive);
(3) Being a regional platinum card customer;
(4) Having held our personal wealth management account 1 year or more, and the average annual deposit balance of the account is more than 200,000 yuan (inclusive);
(5) It is a personal loan customer of the bank, with a loan amount of more than 500,000 yuan (inclusive) and no record of default repayment for more than 2 years (including customers whose loans have been settled).