What is the problem that the single-family loan of the online loan company does not exceed 300,000?
The online loan company's loan to a single household does not exceed 300,000 yuan, which is a manifestation of the country's further strengthening of online loan supervision. The People's Bank of China, China Banking Regulatory Commission and China publicly solicited opinions on the Interim Measures for the Administration of Online Microfinance Business (Draft for Comment). According to this opinion, in principle, the balance of small loans for a natural person's single-family network does not exceed 300,000 yuan, which does not exceed one-third of its average annual income in the last three years, and the lower amount is the maximum loan amount; In principle, the balance of single-family network micro-loans to legal persons or other organizations and their related parties shall not exceed 6,543,800 yuan.
The introduction of this opinion means that the application amount of microfinance in the future is limited, especially for natural persons, who need personal flow to apply for online loans. After all, the regulation cannot exceed one-third of the average annual income in the past three years. This provision is actually beneficial to online lending companies, which can lend according to the borrower's real repayment ability and reduce the risk of bad debts.
The above is about the introduction that online loans do not exceed 300,000 for single-family loans. I hope it will help.