First, the essence of Meituan's borrowing money is microfinance service.
Meituan started its own financial system layout several years ago. The payment method can be Meituan payment, and if the balance is insufficient, you can make a small loan from Meituan APP. The loan process is the same as that of Hua Bai: if you are nervous, you can go to Meituan in advance and repay within a time limit. Its essence belongs to micro-credit business. As can be seen from the loan agreement provided by Meituan, Meituan's microfinance service is provided by Chongqing Meituan Sankuai Microfinance Co., Ltd., and from the survey of Sky, it can be found that its business scope includes: developing various loans, discounting bills, transferring funds, and making equity investment with free funds. It can be seen that Meituan, a small loan company, can carry out related loan business. Sharp-eyed netizens may find that many Internet companies, such as Baidu and Ali, are now registering micro-loan business in Chongqing, because the regulatory environment in Chongqing is relatively relaxed, attracting some enterprises to settle in.
Second, does the operation mode of borrowing money from the US Mission meet the requirements?
Although Meituan can now carry out microfinance business normally, it does not mean that there are no problems in the operation process. In my personal experience, it is really deceptive for the US Mission to borrow money. When ordering takeout, the US Mission gave me a hint that I could get a red envelope, so I ordered it and took it step by step. Finally, I found out that it induced me to open a loan business and gave me a quota of 30 thousand, but I closed the service without opening the loan service. Moreover, like the general online lending platform, Meituan will be urged to pay debts once it is overdue. First, the customer service politely asked for repayment, but it was probably a phone bombing and asked for repayment. And the US Mission is a small loan. If there is a problem in use, it is easy to have a negative impact. If you want to go to the bank for loans in the future, it will also have an impact, because banks don't like users who have small loans in their credit reports at present.
To sum up, Meituan's loan business is legal, because the industrial and commercial department allows it to operate through its own small loan company, but it is actually unreliable when borrowing money. Lure users to start loan business and issue small loans through various hidden means. I advise you not to borrow money from the small network platform. If something goes wrong, you will regret it.