Yin Hang Consumer Finance Loan Platform belongs to Yin Hang Consumer Finance Co., Ltd. It is a formal licensed consumer financial institution established by Hangzhou Bank as the main sponsor with the approval of China Banking Regulatory Commission. By August of 20021year, the company's loan balance exceeded 30 billion yuan. So you can have a general understanding of "what is the loan platform of Hangzhou Bank's consumer finance?" Let's take a look.
1. What is the loan platform for consumer finance in Yin Hang?
1 is a loan platform for regular licensed consumer finance companies;
2. It was approved to be established in China Banking Regulatory Commission on 20 15 and 12;
3. The company is headquartered in Hangzhou, Zhejiang Province, and is the first consumer finance company in Zhejiang Province;
4. The loan funds come from the investments of famous enterprises such as Hangzhou Bank, Didi and China Yintai.
II. Introduction of Consumer Finance Products of Hangzhou Bank
1, exclusive loan
Mainly for civil servants, employees of institutions and employees of central enterprises and large state-owned enterprises such as telecommunications, electric power, tobacco, ports and aviation. The maximum loan amount is 200,000 1 application, valid for 3 years, with daily interest. The annualized interest rate is as low as the daily interest rate, and there is no other fee except interest, and there is no handling fee for early repayment.
2. Enjoy the loan easily
As a sub-brand of consumer finance of Hangzhou Bank, the loan platform is a consumer mobile phone client, and ordinary users can apply online with their ID cards. The application procedure is simple, and the loan amount will arrive in one minute at the earliest, with daily interest and annualized interest rate (simple interest). The repayment period is flexible, but there is a 2% handling fee for early settlement.
The above is about "What is the loan platform for consumer finance in Yin Hang?" I hope it will help you.
What is the online loan of consumer finance in Yin Hang?
What is the loan platform of Hangzhou Bank's consumer finance? Is the loan of consumer finance of Hangzhou Bank reliable?
Consumer finance in Yin Hang is very reliable, and it can be borrowed and repaid.
Yin Hang Consumer Finance is a licensed institution. Users applying for loan products in Yin Hang Consumer Finance are legal and compliant in both loan process and loan interest.
The comprehensive consumer loan of Hangzhou Bank's consumer finance is a pure credit consumer loan and does not need mortgage guarantee. Mainly based on personal credit information. If there is a loan demand, you can apply for a loan through outlets or by appointment.
A survey of personal credit in Yin Hang's consumer finance. Consumer finance in Yin Hang has been fully connected with the credit information of the People's Bank of China. Whether it is the loan business of Yin Hang consumer finance or the loan of Yin Hang consumer finance, it will be reported to the loan record for credit investigation. Credit information on loan records will not affect users' personal credit, only bad credit records will have a negative impact.
Although there are many channels in the market to provide loans to borrowers, some loan platforms may charge extra fees such as handling fees and service fees in addition to the inflated loan interest rate, which makes borrowers feel great repayment pressure. Conscience online microfinance platform inventory, users who want to apply for loans should not miss it!
1, money to spend
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Online application, no mortgage, the fastest 30 seconds to complete, the fastest 3 minutes to lend. The minimum daily interest rate of microfinance is 0.02%, and the maximum loan amount is 200,000.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan
Ping An Xinyi Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and pay back, with daily interest, with a minimum loan of 2,000 yuan and a maximum loan of 500,000 yuan. The service life ranges from 12 months to 48 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
Want to see whether an online loan company is formal, generally from the following aspects to examine:
First, check whether the loan company has a financial license, and the loan products of the licensed institutions will basically be connected to the central bank's credit information system.
Second, see if the loan application process is standardized. Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan requirements, they will provide formal loan contracts, and they are also very willing to know all kinds of information of lending institutions and will not hide it.
Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Any loan company has to pay various fees before lending, which will attract attention.
Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do, and the comprehensive loan cost is very high after deducting various service fees.
What loan platform is consumer finance in Yin Hang?
"Yin Hang Consumer Finance is a consumer finance company, not a loan platform. Loan platforms generally refer to specific loan products, while consumer finance companies may have multiple loan products. Therefore, to distinguish between loan products and consumer finance companies, it depends on the product name and whether there is the word consumer finance.
Yin Hang Consumer Finance Co., Ltd.
A financial service company in Hangzhou
Hangzhou Financial Services Company Yin Hang Consumer Finance Co., Ltd. was established on February 3, 20 15, and its legal representative is Bei Yu.
Development history
Editor? broadcast
On July 20 15, it was approved for construction by the China Banking Regulatory Commission, with the approval of No.440 [2065438+05]. [3]?
20 15, 1 1 The company's opening was approved by Zhejiang Banking Regulatory Bureau of China Banking Regulatory Commission, and Zhejiang Banking Regulatory Bureau 20 15559? [ 1]?
On June 20 17, the APP client "Yin Hang Finance" was launched? [4]?
2065438+officially became a member of Zhejiang Banking Association in July 2007? [4-5]?
20 17, 1 1, changes in company leadership? [4]?
2065438+June 2008, the payment route was completed and the new payment system was launched? [4]?
2065438+September 2008 core system upgrade? [4]?
2065438+April 2009, the capital increase was approved by Zhejiang Supervision Bureau of China Banking Regulatory Commission, with a registered capital of 1.26 billion yuan? [2]?
2065438+June 2009 online business APP "Chopin"? [4]?
On March 26th, 20021year, Zhejiang Supervision Bureau of China Banking Regulatory Commission issued the Reply on the Change of Registered Capital and the Adjustment of Ownership Structure of Yin Hang Consumer Finance Co., Ltd., and the registered capital of Yin Hang Xiaojin increased from 65.438+0.26 billion yuan to 25.6./kloc-0.00 billion yuan, with a new shareholder, Dirun (Tianjin) Technology Co., Ltd., holding 853.9 million shares. [7]