Extended information:
1. Related introduction: At present, the maximum available loan amount is 50,000 yuan, and the loan amount of most users is around 5,000 yuan, and the longest service life can reach 12 months. In terms of interest, according to the feedback from the following users, we applied for RMB 4,000, spent 12 months, and the total repayment due was about RMB 5,440. It is observed that employers who pay by package mainly come from banks and licensed financial institutions, so they will check the credit information, and users with bad personal credit can ignore it silently. The approval method adopted by Kouzi is system approval plus manual return visit, so during the approval period, I will pay a return visit to myself, and some will pay a return visit to my contacts. Of course, whether there is a return visit or direct payment depends on the applicant's personal qualifications. Generally, the approval result will be given within 1-3 working days after the application is submitted. After approval, cash can be withdrawn on the same day.
2. Loan: A simple and popular understanding of loan (e-IOU credit loan) is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending to banks, centralized money and monetary funds can meet the needs of society for expanding supplementary funds for reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
3. Loan principle: The "three principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." Loan security is the primary problem faced by commercial banks; Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land to meet the customer's demand for withdrawal of deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income will be good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be no problem.