Simply count the top ten bank credit loans, which financial loan companies are there in China?
1, Consumer Credit Company
Characteristics of the company: It was established with the approval of China Banking Regulatory Commission, and it does not absorb public deposits, with most registered capital above 1 100 million yuan. The IOU shows that the maximum credit line does not exceed 200,000, the loan business process does not belong to housing loans and car loans, and the loan assets are only used for daily transactions such as household appliances and furniture, wedding, holiday travel, culture, education and medical care. Symbolic companies include: BOC Consumer Finance, Zhaolian Consumer Finance, China Post Consumer Finance, Instant Finance and Ping An Consumer Finance.
2. Ordinary banks
Characteristics of financial institutions: specialized in loan business, able to absorb public deposits and provide various financial loan management. Loans show that for different types of loans, the maximum credit line of loans can reach tens of millions, and the longest loan period can reach 30 years. There are several mortgage guarantee methods for loans, such as credit, pledge and financial industry.
China's banking industry includes: Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of China, Shanghai Pudong Development Bank, China Merchants Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, China Everbright Bank and China Guangfa Bank.
3. Company
Company characteristics: audited and controlled by regional financial supervision departments, not absorbing public deposits, operating loan business processes, etc. The loan shows that it can not only provide trading loans for ordinary people, but also provide business loans for small and medium-sized enterprises and self-employed, with a maximum credit line of several million. The iconic companies are: Zhejiang Ideal Company, Chongqing Dumanman Company and Ant Company.
4. Financial leasing companies
Company characteristics: approved by the regional financial supervision department, it does not absorb public deposits and operates financial loans. Loan display: basically related to auto financing leasing business, including new car loan, used car loan and used car leaseback. Compared with financial institutions, the procedure is simpler and the next payment is faster. Symbolic companies include: China Enterprise Huitong International Financial Leasing (Tianjin) Co., Ltd. and Shanghai Yixin Financial Leasing Co., Ltd.
5. Auto Finance Company
Company Features: A non-bank financial enterprise approved by China Banking and Insurance Regulatory Commission, which provides financial loan services for automobile consumers in China. Loan display: according to the loan qualification standards of automobile consumers and their automobile series, the financial loan scheme is given, and the loan period is generally not more than 5 years.
The iconic companies are: Shanghai General Motors Finance Company, FAW Automobile Finance Company and Changan Automobile Finance Company. In addition, some financial institutions such as financing guarantee companies, pawn companies and regional investment management companies approved by the financial regulatory authorities can also be regarded as the category of China financial loan companies.
Non-bank loan financial enterprise
Non-bank loan financial enterprises refer to enterprises established with the approval of the People's Bank of China, generally including pawn companies, loan guarantee companies and their microfinance companies. There are mainly China Post Consumer Finance Co., Ltd., Instant Consumer Finance Co., Ltd. and Gitzo Consumer Finance Co., Ltd. These companies can generally apply for loan business processes online. The lender needs to be over 18 years old, have a fixed income, can pay it off in one lump sum, and has an excellent personal credit record. For other specific standards, see the relevant regulations of each company. Consumer credit companies supervised by CBRC will truthfully submit loan records.
What are the domestic financial loan companies? What are the platforms with high pass rate?
What are the domestic financial loan companies?
1, BOC e-loan
The consumer credit loan products launched by China Bank can be applied online in the whole process. The maximum loan amount is 300,000 yuan, and the validity period of the loan amount is 12 months. Applicable to calculating interest on a daily basis, and paying it back while borrowing. The annual interest rate of loans is generally around 4.35%. The actual credit line and annual interest rate are subject to the results of system software audit.
2. ICBC Financial Electronic Loan
ICBC Bank issues personal credit loans to eligible lenders and applies online for 724 hours. The loan amount ranges from 600 yuan to around 800,000, with the longest loan term of 3 years and the lowest annual loan interest rate of LPR 0.5%, which is upgraded monthly.
3. Fast loan from China Construction Bank
A full-process online self-help loan launched by CCB can be divided into two types: personal credit quick loan and personal credit quick loan. Personal credit fast loan is an unsecured, unsecured and pure personal credit application. The loan amount ranges from 65,438+0,000 yuan to 200,000 yuan, with the longest loan term of 36 installments and the annual interest rate of at least 4%.
4.ABC Network Dai Jie
The consumer credit loan launched by Agricultural Bank of China has a maximum loan amount of 200,000, a loan term of 1 year, and the longest loan term for consumers in the scene is 5 years. The annual interest rate of the loan can at least enjoy the LPR quotation for the same period. You can download the ABC Pocket Bank for free and apply when you enter the loan-online loan.
5. Convenient loan from Bank of Communications
Bank of Communications does not need to prepare materials in advance to launch personal credit loans. It is purely a personal credit application on the mobile phone, and the system is audited. The maximum loan is 200,000 yuan, which can be divided into 36 installments at most. The minimum annual loan interest rate is 4.32%. There are no other fees for applying for the credit line, and there will be no loan interest if it is not mentioned now.
6. Guangfa e-second loan
GDB launched personal credit loan, applied online all the time, and the system software was audited in time. The maximum loan amount is 200,000 yuan, the minimum annual loan interest rate is 4.8%, and the longest loan period is 3 years. Interest can be calculated on a daily basis, and loans can be repaid while borrowing.
7. Puyin Integral Loan
Shanghai Pudong Development Bank has launched online credit loans and applied online, which can be used at any time during the whole process, free of all service fees. The maximum loan amount is 300,000 yuan, the longest loan period is 5 years, and the minimum annual interest rate of the loan is generally 4%. The actual audit shall prevail.
8. Everbright's fast loan
My credit loan is controlled online all the time, which is suitable for borrowing and returning with ease of use. The maximum credit line is 200,000 yuan, the longest loan period is 36 months, and the minimum loan annualized interest rate is 4%. Loan repayment methods include equal principal and interest repayment and monthly interest repayment.
9. Minsheng Bank promotes flash loans.
For pure credit loans applied online, the maximum loan amount is more than 200,000 yuan, and the minimum annual failure rate is 5.5%. It is suitable for borrowing and returning, and the interest is calculated on a daily basis. It can be repaid in advance without any additional service charge.
10, e-loan from China Merchants Bank
Credit loans issued by China Merchants Bank to bank credit card holders can be applied online through China Merchants Bank Pocket Life, and the system software will immediately review the next payment. The loan can be divided into 36 months at most, and the annualized rate of the loan converted by installment interest is between 0%- 18%.
What are the platforms with high pass rate?
1, 360 IOUs
360 Financial Group's pure personal credit micro-loan is especially suitable for wage earners to apply. Although the loan interest is higher than the bank loan, it is better than the pass rate, and the credit line is 50,000-200,000. This product was launched in September, 2065438+2006, which requires higher personal credit information of borrowers. If you have a bank credit card and personal social security, the application pass rate is higher.
2. Recruit good loans
Zhaolian is a financial enterprise approved by China Banking Regulatory Commission, mainly engaged in trade loan business. As a popular commodity, long-term loans will naturally attract a lot of attention. The application standard for a good loan is very simple, as long as 18 (inclusive) -60 (inclusive) has a good job and a fixed income; Or full-time students aged 18 (inclusive) -30 (inclusive) with college education or above can apply. If you have a mortgage, car loan or bank credit card, and your personal credit record is excellent, then your application will be easier to pass and you can get a higher quota.
3. CCB Express E Loan
As long as I have good credit and certain funds, it is best to have housing loans or financial investment savings in CCB, which has a high success rate. The most important thing is that the loan interest is very low, and it also provides interest.
4. Arbitrary loans
Everyone should have a deeper understanding of Suning's discretionary payment. Both discretionary loan and Suning discretionary payment belong to Suning Financial Group. If you are a daily active user of Suning's financial industry, you can get a discretionary loan amount if your loan qualification and personal credit meet the requirements.
What loan companies are there under installment finance?
What are the installment loan companies?
1, Hubei Consumer Finance
Hubei consumer finance has a personal consumption loan product called e-point loan, which can be applied within the range of 1 0,000-50,000, or divided into 3, 6, 9 and 12 installments. The minimum daily interest rate is 0.03%. Users can download the e-point loan APP in the app store, and then register according to the operating instructions.
2. Ctrip Finance
There are many small loan products under Ctrip Finance, and borrowing flowers is one of them. Borrowing flowers supports repayment in installments of 3, 6 and 12, with a maximum amount of 50,000. Users who apply for borrowing flowers need to be between the ages of 22 and 55. Borrowing flowers does not support users in remote areas such as Xinjiang to borrow money.
3. Zhaolian Finance
If you want to apply for a loan in Zhaolian Finance, you need to be a customer of China Merchants Bank first. Secondly, the borrower needs to be between 20 and 50 years old, be a citizen with complete civil freedom, and have a stable source of income and repayment ability. It is also required that the borrower's credit report has no bad credit record.
4. Ping An Bank
Ping An Bank has many online consumer loan products, such as Ping An Xiaojuhua. Users can borrow money from Ping An Xiaojuhua, which can be repaid in 24 installments at the longest, and the maximum loan amount can be 200,000 yuan.
What kind of loan company is consumer finance?
A consumer finance loan company generally refers to a non-bank financial institution established in China to provide loans for main consumption. The establishment of such financial institutions must be approved by the China Banking Regulatory Commission. This kind of institutions have the unique advantages of small single credit line, fast approval, no mortgage guarantee, flexible service mode and short loan period.
When handling consumer finance loans, you can apply directly online. You only need to provide valid personal identity documents, bank cards and other information to apply. However, when applying for a loan, the system must be authorized to inquire about personal credit information. Only when the personal credit information is good, the platform will be assured of lending, and if the credit information is not good, you can't apply for a loan.
After the user applies for a consumer finance loan company, he should repay the loan on time, and there shall be no overdue situation. Usually there will be penalty interest after the deadline, and the longer the time, the more penalty interest. Moreover, after the deadline, the platform will collect money, which may affect the normal life of individuals. In fact, if you can't return it on time, you can borrow money from your friends.
It is worth noting that in loans overdue, overdue records will be uploaded to the credit information center, which will lead to poor personal credit information and affect subsequent loan applications. Moreover, after overdue return, this overdue record will remain in the credit report for 5 years, and will disappear automatically after 5 years.
What loan platforms does Shanghai Finance Company have?
Shanghai Finance Company has a small full financial loan platform. Du Xiaoman Finance, formerly known as Baidu Finance, achieved independent operation in April 20 18. In the era of intelligent finance, Du Xiaoman Finance will give full play to the advantages and technical strength of Baidu AI, and join hands with financial institution partners to provide more people with reliable financial services through technology.
The first is a small all-financial loan platform.
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand of Xiaoman Finance to achieve independent operation. Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.
Second, the formula of corporate culture
102065438+In February, the United Nations Global Compact China released the list of "Best Practices for Enterprises to Achieve Sustainable Development Goals in 2020". A total of 20 enterprises in China were selected as best practice enterprises, among which the practice of helping small and micro enterprises, helping the poor and helping farmers and creating social employment was commended by the United Nations and successfully selected as "Best Practice Enterprises for Eliminating Poverty and Promoting Prosperity". On August 4, 2020, Suzhou High-tech Zone 2020 Hurun Global Unicorn List was released, with Xiaoman Financial Rank 108. On February 20 19, Du Xiaoman's financial ABS case won the "Excellent Practice Award" of Harvard Business Review on February 20 19 at the "Yue Management" award ceremony held at Wharton China Center. On 202 1 July 21day, Du Xiaoman Finance made an emergency donation of100000 yuan through Henan Charity Federation.
To sum up, with the joint efforts of Xiaoman Finance's multi-business sectors, inclusive finance's ideal is being put into practice, integrating finance into ordinary people's daily lives, helping people realize their dreams of a better life and enabling more people to obtain financial services equally and conveniently.
What are the regular consumer finance loan companies? Look at these five
A consumer finance company refers to a non-bank financial institution established with the approval of China Banking Regulatory Commission and holding a formal license. The maximum loan amount granted to an individual does not exceed 200,000 yuan, and the loan funds can only be used for daily consumption purposes, and may not be used for car purchase, house purchase, investment, etc. So, what are the regular consumer finance loan companies? Let's take a look together.
What are the regular consumer finance loan companies?
1, Zhaolian Consumer Finance
Established by China Merchants Bank and China Unicom, two Fortune 500 companies, with the approval of China Banking Regulatory Commission, the registered address is located in Shenzhen, with a registered capital of 654.38+000 billion yuan. Its good-term loan products have a maximum loan amount of 200,000, a maximum loan period of 36 months and a minimum annual interest rate.
2. Consumer Finance of Hangzhou Bank
With Hangzhou Bank as the main sponsor and approved by China Banking Regulatory Commission, it is also the first consumer finance company in Zhejiang Province with a registered capital of 1 100 million yuan. Its exclusive light loan products can borrow up to 200,000 yuan, with daily interest and the lowest annualized interest rate.
3. Consumer Finance in Yin Chang
Established by Changan Bank, Huitong Leasing and Yide Sean, among which Changan Bank is the 6th consumer finance company in China and the first officially licensed consumer finance company in Northwest China, with the maximum loan amount not exceeding 200,000 and the annual interest rate ranging from19.88% to 23.88%.
4. BOC Consumer Finance
It is a comprehensive operating company under the Bank of China. Approved by China Banking Regulatory Commission, it was established on June 20 10. It is also the first consumer finance company in Shanghai. Its new easy-to-borrow credit consumer loan product has a maximum loan amount of 200,000 yuan, and the annualized interest rate is between simple interest and transparent fee.
5. China Postal Consumer Finance
Established by seven well-known enterprises, including China Postal Savings Bank, and approved by China Banking Regulatory Commission, it is headquartered in Guangzhou with a registered capital of 3 billion yuan. A variety of loan products, such as revolving loan, extremely fast loan, owner loan and postal savings loan, were launched, with a maximum loan of 200,000, the maximum repayment in 24 installments and the lowest annualized interest rate.
The above is about "which formal consumer finance loan companies are there?" I hope I can help you.