Small loan companies cannot lend money to individuals. If small loan companies borrow money from individuals and then use it for loans, it is illegal financing. The funds lent by a microfinance company must be investors' own funds, and microfinance business activities must be carried out within the scope of their own funds. Microfinance companies can lend to individuals.
Second, can small loan companies make entrusted loans?
At present, the company cannot operate entrusted loan business.
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally between 1 10,000 yuan and 200,000 yuan. The treatment process generally needs to be guaranteed. It is a small loan for domestic science and technology and real loans: it mainly serves
The establishment of the company reasonably concentrated some private funds, standardized the private lending market, and effectively solved the problem of financial difficulties. There are also-50,000 yuan office workers, most of whom do not need mortgages, but their credit and information are strictly reviewed.
origin
From the international popular point of view, micro-credit refers to small and continuous credit services for low-income groups and micro-enterprises. Its basic characteristics are small amount, no guarantee, no mortgage and serving the poor. Microfinance can be provided by formal financial institutions and specialized microfinance institutions or organizations.
According to the characteristics of business operation, microfinance organizations can be divided into two categories: commercial and welfare, which also emphasizes the institutional sustainability in microfinance management and target design. Take the role of projects in Indonesia in improving the economic and social welfare of the poor as an example, and take Grameen Bank of Bangladesh as an example.
For example, self-cleaning finance integrates wealth management, credit risk data integration services, industry investment, small and micro loan consulting services and transactions, and promotes comprehensive P households to provide all-round and personalized inclusive financial and wealth management services.
Yibaotong focuses on capital lending in the field of construction engineering, providing comprehensive network services for small and medium-sized enterprises to start businesses, finance business funds and personal consumption loans. Build the fastest financing platform for small and micro enterprises and private capital, actively explore the best way in the field of debt financing, and strive to build a high-speed, effective and legal peer-to-peer lending platform with characteristics.
Lenders and borrowers will pair up independently to solve the most urgent loan and financing problems for individuals and small and medium-sized enterprises in China. Solving the problems of the poor is the world, because all kinds of social problems caused by poverty will lead to the turmoil of the whole country. By improving the economic situation of low-income people, we can greatly increase the effective demand of the whole society and promote social investment and production and national economic development.
3. Is it endogenous financing or exogenous financing for small enterprises to borrow from individuals? Thank you! !
Endogenous financing refers to the process that an enterprise continuously transforms its savings (mainly including retained earnings, depreciation and fixed liabilities) into investment. Exogenous financing means that an enterprise raises funds from other economic entities outside the enterprise in a certain way. With the progress of technology and the expansion of production scale, it is difficult to meet the capital demand of enterprises by relying solely on endogenous financing, and exogenous financing has gradually become an important way for enterprises to obtain funds.
Generally speaking, enterprises will turn to external financing only when internal financing still cannot meet their capital needs. The external financing of enterprises can be divided into direct financing or indirect financing, which is not only influenced by the financial situation of enterprises themselves, but also restricted by the national financing system.
The advantages of external financing are extremely wide sources of funds, diverse ways, flexible and convenient use, which can meet the various capital needs of investors and improve the efficiency of capital use. More importantly, it is an important financing method to connect surplus and surplus. Without external financing, financial markets and financial institutions will cease to exist.
Fourth, does the company belong to private lending?
The loan amount is a point that users pay more attention to when applying for loans. Secondly, users pay more attention to lending institutions. If the mortgage institution is more formal, the applicant will be more at ease. In the online lending market, both consumer loans and private loans have their fixed meanings. So, does the company belong to private lending?
1, under normal circumstances. Companies do not belong to private lending, mainly because most of them do not belong to the same subject of private lending. Although small loan companies are legal persons with lending qualifications approved by financial supervision departments, they are still different from private lending.
2. The company is a natural person. A limited liability company or joint stock limited company invested and established by an enterprise as a legal person and other social organizations that does not absorb public deposits or engage in business. The difference is that private lending refers to the financial intermediation between natural persons, legal persons and other organizations and between them.
3. There are no legal restrictions on private borrowers. That is, the borrower can be an individual or an enterprise or other organization. A company is an enterprise legal person, with independent legal person property, enjoying legal person property rights, and bearing civil liability for debts with all its property.
The above is an introduction about whether the company belongs to private lending. I hope the answer helps.