First of all, let's make sure that if loans overdue Insurance Company compensates, you must have bought insurance for this loan, but you don't know it yourself. For example, my last job was devoted to loans, so I won't mention my name. After the customer submitted the information application and was approved by the company, the bank actually lent money, but the bank did not participate in the whole process, including receiving the information, approving and signing the contract, and only lent money at the end. This is tricky. As a lender, why do banks dare to let it go without approval? It is the reason for the insurance company to compensate! It's a little complicated back there! This loan involves three parties (usually three parties, and some may be four parties). The lender is a bank, the manager is a company that helps you operate the loan, and the guarantor is an insurance company. Why not buy insurance, and the insurance company still bears the compensation? Isn't this brain tonic? Haha, then you are wrong. Wool is on sheep. You may only know that you borrowed 6,543,800 yuan, which is also100,000 yuan. But in fact, the loan amount on the contract is 6.5438+0.5 million yuan (for example), so why do you want to add 50,000 yuan? In fact, this 50,000 yuan is the management fee of the management and the premium of the insurance company, but the salesman didn't tell you clearly for the sake of performance (you can't play clearly)!
Then why is the repayment based on 654.38+ million, and the interest is also based on the interest said by the salesman? Give me a chestnut: you asked me to borrow 100 yuan to pay back 10 months, but I didn't. Then I found someone, and I asked him to borrow 150, and agreed on interest 1. I took the extra 50 yuan first. Then I turned around and told you to lend you 100 with interest of 6 cents. Then you pay me back with interest every month 16 yuan, and I will pay him back 16 yuan. Does this mean that you only know that you borrowed 65,438+000 yuan and paid it off within 65,438+00 months with interest of 6 cents, but you actually borrowed it? I earned you for nothing as a middleman, 50 yuan. This 50 yuan is called management fee. If there is a guarantor in it, then I will give the guarantor 20. If you don't arrive on time, you will have to bear the obligation of compensation. You don't even know that!
Ok, that's all, I hope to adopt it!
In recent years, the loan industry has developed explosively in China, and large companies from all walks of life have participated in the loan-related business. All kinds of chaos involving loans are also endless, and compulsory tying insurance is one of them. Among them, the most serious is the Peace Department. There are three companies involved in financial business in Ping An Department, namely Ping An Bank, Ping An Comprehensive Finance and Ping An Puhui. First of all, Ping An Bank, in some real estate mortgage loan businesses of Ping An Bank, is forced to charge a premium of one point. This is the only large commercial bank in China that dares to do so, which also shows the wolf nature of Ping An Department to some extent. The second is Ping An Comprehensive Finance. Some friends may think that they have never heard of this, but it is actually the old Ping An Insurance with a new name. Ping An is at the forefront of marketing methods and has various innovations. The employees of Ping 'an Department can promote various businesses belonging to Ping 'an Department and have a perfect commission system. Friends who have had loan experience will find that there seem to be people from Ping An Bank everywhere, and it seems that Ping An Bank has more account managers than other banks. Ping An Comprehensive Finance actually does insurance, and most of them also do loan business under the banner of Ping An. In order to complete the insurance task, some salesmen claim to have internal loan approval channels or communicate with risk control privately to induce customers to buy insurance while handling loans. Ping An Pratt & Whitney is not only connected with Ping An's own fund, but also with various other employers. In this part of the lending business, in addition to deducting the platform management fee and service fee, there is also insurance premium, which is also the charging method adopted by the lending platform. It just depends on the name. There is no prejudice against peace here, but the peace system is huge, various businesses are relatively strong, and various problems are relatively comprehensive. Generally speaking, the compulsory tying insurance involving loans is some insurance companies involved in loan business, such as Dida, Yangguan and Pacific. Fortunately, the China Banking Insurance Regulatory Commission has now banned tying insurance in loans, and this phenomenon has been greatly reduced.
So why is it sometimes overdue but can be compensated through insurance? This is a means for financial institutions to control risks, and overdue will bring operational risks to lending institutions. Therefore, some financial institutions cooperate with insurance companies or guarantee companies to carry out loan business and pay insurance premiums or guarantee fees to them. In case of overdue, the insurance company or guarantee company will compensate and reduce its own risks. In addition, the Bank of China Insurance Regulatory Commission has clear regulatory requirements on the non-performing loan ratio of financial institutions, and cooperation with insurance companies and guarantee institutions can reduce the non-performing loan ratio. Therefore, there will be cases where gold cannot be tied to insurance when it is lent, and sometimes it can be compensated through insurance when it is overdue. In addition, the compensation of insurance or guarantee company does not mean that the money owed by the debtor can be repaid or will not affect the credit investigation, but the debt is transferred, and the creditor is transferred from the lender to the compensation party.
This insurance is not that insurance.
Loans that cannot be bundled refer to personal insurance, such as accident insurance, critical illness insurance and medical insurance. , has nothing to do with loans. However, property insurance, such as credit insurance and performance guarantee insurance, is a normal insurance with the nature of debt guarantee, which is used to increase the borrower's credit status and protect the loan default liability. As long as you don't charge illegally and raise the premium without authorization, it is generally not illegal tying.
Take performance bond insurance as an example. After the debtor has taken out performance guarantee insurance, if the debtor fails to repay the loan on time, the insurance company will be liable for compensation and repay the loan on behalf of the debtor. You said that you can have insurance compensation after the deadline, which means that you have purchased performance guarantee insurance.
However, after the insurance company compensates the loan, it does not mean that the debtor cannot repay the debt. However, the debt relationship has changed. After the original creditor obtains compensation from the insurance company, it can no longer recover the debt from the debtor. But this claim will be transferred to the insurance company, which is the right of subrogation. Therefore, insurance companies have the right to continue to recover debts from debtors. Whether the risk can be recovered will also be borne by the insurance company itself.
There are many loan companies now, and the water depth can drown your neck. First, the loan company will give you several agreements. Anyway, each one is a long story. Ordinary people are not professional legal persons, so it is impossible to study the terms in detail. Of course, your research is useless. If you don't agree, you can't go on to the next step, and you can't get a loan at all. So it doesn't matter whether you learn or not, the loan company has been in an invincible position.
The most famous guarantee company is Harbin Ha Yin Consumer Finance Co., Ltd., which has no contact information. Therefore, we must pay attention to loans that guarantee compensation. Once the credit information is obtained, it is basically impossible to make other loans through credit cards.
Therefore, I advise you not to touch small loans. Go ashore as soon as possible. Don't study these things. Really can't. Get some credit cards and get rid of each other Let's get through the current difficulties first. Come on, friends.
The state has issued relevant laws and regulations to prohibit tying insurance, but financial institutions will ask enterprises to buy accident insurance and other products in disguise for risk control when lending, which invisibly increases the cost of enterprises. This phenomenon basically appears in the loan business of small and micro enterprises. Enterprises have weak bargaining power and no equal right to speak. In order to obtain loan funds, they can only be forced to accept them, because the suspension of loans may mean the closure of enterprises, so they will still accept them even if they pay a little more, which is the main reason why this phenomenon has always existed.
You can pay attention to the signed contract The interest we usually say is not the interest in the contract. The interest rate in the contract includes loan interest, loan service fee, loan guarantee or insurance premium, etc.
So people usually say that interest is the contract interest rate. To put it bluntly, this is the insurance that the loan company has given itself. On the one hand, it can prevent being investigated because of high interest rates. On the one hand, it is also to ensure the safety of its own funds. That's why there is a guarantee or insurance.
After the loan, I began to doubt the six-point life.
1. The more you doubt that you didn't learn math well, the more you doubt it!
2. Isn't it legal to doubt your knowledge of the world before? !
Friends who haven't contacted for a long time in the address book have also started to contact!
4. One week in advance every month, people start calling to say hello every day! Not much a day, only seven or eight! Closer than my period! My period needs blood, and my father is going to kill me!
There are people in the middle who give you free legal knowledge!
6. Of course, visiting your home at night is a good service!
Compensation is just a routine. After paying you compensation, it doesn't mean you don't have to pay your debts. The organization or company that helps you compensate will still ask you to repay the compensation, so this is just a pit.
After reading other people's books, I talked about many routines. I would like to add that some financial institutions buy them themselves to hedge their own risks, so there is no need to bind them for you.
This is very tangled, and it cannot be specifically said that it is a problem within the system.