Not necessarily. It depends on the formal degree of financial companies.

Formal loan companies generally cooperate with banks. There is no need to worry about security. What we need to care about is how to distinguish loan companies from formal housing. Because many scammers or informal small companies are mixed in, if you choose an informal loan company, you are likely to suffer.

It is more reliable to find a loan from a formal financial company. If you ask for all kinds of fees before you get the loan, it's basically a lie. Don't apply for a loan again. Maybe there will be more things against you in the future.

Secondly, it depends on whether the loan company intends to compound interest, commonly known as "rolling interest". If so, there is a problem. Whether the loan of a finance company is reliable depends mainly on the contract signed by both parties. Applicants must pay attention to the loan contract and don't put themselves in a disadvantageous position. The state stipulates that the interest rate of private lending cannot exceed 4 times of LPR, which should also be noted.

How to tell whether a loan company is formal?

First of all, all the people who charge before the loan are liars.

As long as it is a formal lending institution, it will not charge any fees to the applicant before issuing loans. Because, even if the handling fee or interest is needed, it will be evenly distributed in the subsequent installment repayment. Therefore, you should pay before approving the loan and leave immediately.

Second, the comparison of loan interest rates.

The loan interest rate of formal lending institutions will be adjusted according to the benchmark interest rate of banks, which is generally not lower than the loan interest rate; It will not exceed four times the interest rate of these loans. If it is higher than this number, it can be considered as.

If it's too low, there must be something fishy, because the wool is on the sheep, so I'll give you some sweetness first, and I'll definitely have to make it up later.

Third, be sure to find a loan institution that needs a face-to-face signing.

According to the requirements of CBRC, both banks and other formal lending institutions must implement the face-to-face contract system. Moreover, the location of the interview should be within the company of the bank or lending institution.

Therefore, if the loan institution you are looking for does not sign the contract in person, but directly signs the contract with you through electronic contract, or by fax or email, then you should be careful.

Now there are many investment management companies in the market that promise high returns. Is it really credible?

Not credible.

As the saying goes, there will be no pie in the sky. If there is, I think it must be a trap. As a low-risk bank time deposit, bank wealth management products, Alipay balance treasure and WeChat wealth management products, the annual income is basically around 5%. Gree, Midea, Haier, Huawei, Wal-Mart and other large enterprises are all doing business with an annual operating profit rate of less than 20% (there is still the risk of poor management). State-owned banks and commercial banks earn an annual interest rate lower than 10% under the risk of bad debts. The annual interest rate (simple interest) of WeChat micro-loan and Alipay loan shall not exceed 20%. If there are high-yield and risk-free good things, I think it will not be our ordinary people, and these bosses will definitely beat us to it.

1, exceeding the bank's regular interest rate. On March 20th, 2022, the fixed annual interest rate of China Construction Bank's Wang Cai deposit for three years was 3.25%. On March 20, 2022, the annual interest rate of ICBC's three-year time deposit was 3.25%. The interest rates of 3-5-year time deposits of major banks are between 3% and 5%.

2. Refer to bank wealth management products. On March 20th, 2022, the annualized income of China Construction Bank was 2. %-3%. ICBC's annualized income on March 20th and 7th, 2022 is 4%-5%. The annualized income of wealth management products of major banks on the 7 th is around 5%.

3. Refer to Alipay and Tencent wealth management products. Tian Hong Yu 'ebao Fund earned an annualized income of 2% on the 7th, and the annualized income of communication finance was 2%-5%.

4. Reference industry. Gree, Midea and Haier Gree 20 15 -20 19 have the highest operating profit margins, while Haier 20 17.42% has the lowest. The average net profit of Huawei from 2008 to 20 17 to 10 was 8.48%. Wal-Mart's average operating profit margin during 20 12 -202 1 and 10 was 4.9% (data source network).

5. Refer to bank loans, WeChat and Alipay loans. The annualized interest rate of China Construction Bank's Xiao Wei fast loan is 4.4525%, the annual interest rate of WeChat micro-loan (simple interest) is 18.25%, and the annual interest rate of Alipay loan is 14.6%.

Is the investment company reliable?

There are good and bad investment companies.

What is an investment company?

1. An investment company is a financial intermediary that pools the funds of individual investors and invests them in many securities or other assets. "Asset concentration" is the core meaning behind securities investment companies. In the investment portfolio established by the investment company, each investor has the right to claim the investment portfolio in proportion to the investment amount. These investment companies provide a mechanism for small investors: they can organize themselves to obtain the benefits of large-scale investment.

2. An investment company in a broad sense refers to an enterprise organization that collects a large amount of funds and makes a reasonable combination according to its investment objectives. Including trust and investment companies, finance companies, investment banks, fund companies, commercial banks, insurance companies and other financial institutions, as well as all kinds of enterprises involved in property rights investment and securities investment. Its business scope includes buying stocks and bonds of enterprises, participating in the establishment and business activities of enterprises, providing medium and long-term loans, operating domestic and foreign government bonds and fund management. The main sources of funds are issuing their own bonds, stocks or fund units, obtaining loans from other banks and accepting entrusted deposits. In a narrow sense, an investment company refers to the main body of a legal person investment fund and is a profit-making joint stock limited company established according to law. Investors become shareholders by buying shares in the company, and the shareholders' meeting chooses an investment management company to manage the company's assets.

3. As a company that pools investors' capital and conducts professional investment management to spread risks and improve returns, investment companies play an important role in the securities market:

As an institutional investor, it is conducive to the stability of the securities market and the orderly development of the market.

As an important investment method, it can improve the investment structure of the securities market and promote the deepening of financial reform. Nowadays, the penetration of investment funds into the securities market far exceeds that of other financial commodities. Take the United States as an example 1992, about 96% of the new funds injected into the stock market in the United States came from investment funds. At present, 25% people in the United States participate in the fund market, with a total investment of 800 billion US dollars. Investment companies attract more people to enter the securities market, making personal assets appear more in the form of intangible financial assets, and strengthening the role of finance in social and economic life.

As an international investment carrier, investment companies are conducive to promoting the internationalization of the securities market.