Zhongan Small Loan is mainly engaged in Internet credit loan business, and is committed to providing small capital solutions for individuals, merchants and enterprise users.
2065438+June 2009, Tianyi E-Commerce Co., Ltd., a subsidiary of China Telecom, invested 2 1 10,000 yuan in Zhongan Small Loan. Zhongan Small Loan relies on the advantages of China Telecom's massive and high-quality user scenarios. At the same time, relying on the technology and risk control capabilities of Zhongan Technology, a wholly-owned subsidiary of Zhongan Insurance, and complementing the advantages of "communication+insurance+scenario", we will provide safe and convenient inclusive finance services for more individual users and small and micro customers.
Zhongan Insurance released the new version of Zhongan Small Loan A for the first time in the sub-forum of "Insurance and Bank Inclusive Innovation" on the 20 19 Open Day.
2065438+In June 2009, China Telecom Tianyi E-Commerce Co., Ltd. was approved by Chongqing Finance Office, and officially took a stake in Zhongan Small Loan, which tied with Zhongan Technology as the largest shareholder. Tianyi E-commerce Co., Ltd. is the core carrier of China Telecom's Internet finance ecosystem, and has important business brands such as Wing Payment; Zhongan Technology is a wholly-owned subsidiary of Zhongan Insurance. As the first Internet insurance company in China, Zhongan Insurance is a financial enterprise with industry-leading scientific and technological capabilities. Thanks to the blessing of these two shareholders, Zhongan Small Loan has been a financial technology enterprise with the characteristics of Internet insurance technology and operator resources since its birth. Through more than half a year's practice, Zhongan Small Loan has also explored a development path of "communication+insurance+scene".
1 applicant 18 years old or above, with full capacity for civil conduct;
2. The applicant's credit information is good, and there is no bad record such as overdue;
The applicant has a stable job and income and the ability to repay the loan;
The mobile phone number application has been authenticated by real name, and it is agreed to authorize the inquiry of credit information.
Zhongan Small Loan is a small loan product under Chongqing Zhongan Small Loan Co., Ltd. The parent company of Zhongan Small Loan is Zhongan Insurance, a financial technology company listed in Hong Kong. Strong, not short of money. This product has a maximum amount of 200,000 yuan and a wide geographical area. Many cities can apply, but it is not so easy to get approval to 200,000 yuan. There is no real estate, no mortgage record for credit information, and the unit is a general unit. If the housing provident fund is not paid, the approved amount is not high. Usually tens of thousands of dollars will be approved. And the interest is high, with a minimum of 25,000 and a maximum of 80,000 a day. Suppose the loan is RMB 65,438+00,000, with the lowest monthly interest in 75 yuan and the highest in 240 yuan. It's still a little high
A minimum of 12.5 per day seems to be very low. It's just propaganda. Very few people can get such a low interest rate. Customers who can apply for high-quality conditions at low interest rates will not apply for such small loans. Most of the customers who apply for this small loan have average qualifications. His maximum monthly interest is 10000 yuan, one month in 240 yuan. The monthly interest rate is 2.4%. Roughly speaking, his annual interest rate is also above 28%.
In August of 20 years, the Supreme People's Court issued the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases. If the annual interest rate exceeds 15.4%, you will lose it, you know.
The photo taken by Zhong 'an Small Loan is a small loan, which is lent out. Personal credit report shows the word microfinance. As an insider, the credit report shows that small loans have a great influence on personal credit report. Especially those small loans that can be borrowed and repaid, the last credit report will be made after a loan comes down. You find it convenient. Take it out when you use it, and the funds will be turned over. Interest-free return, very comfortable. When you have used it for a year or two, print out the credit report and have a look. There are dozens of records of small loans. It greatly affects your application for bank mortgage, car loan and personal credit loan.