Recently, various online lending platforms and offline entity financial companies are highly influential and interdependent, appearing in front of the network and the public. Business is booming. Where does the profit come from?
In recent work, the public security organs found that the notorious "routine loan" gang has changed its face and began to appear in front of the public as a formal financial company.
They attract customers with the gimmick of "mortgage-free quick loan". They make up high fees such as agency fees, service fees and handling fees by signing loan contracts and blank financial service contracts, and then apply for loans from other lending platforms or banks in the name of borrowers as intermediaries. After the loan arrives, a large amount of so-called "pre-interest" will be deducted, and the borrower will continue to perform the repayment agreement with the third party and repay the loan regularly.
In the process of repayment, once the borrower sees through the "routine" and wants to terminate the contract, the criminal gang will coerce the victim into breaking the contract, and the borrower often chooses to swallow it because he is eager to use the money. The following are some recent common "routine loan" routines summarized by the network police:
Network police reminder:
1. The majority of netizens should go to formal financial institutions such as banks when lending money. Don't trust the so-called cooperative companies, intermediaries and individuals in the name of fake banks. The so-called "unsecured interest-free loans" and other advertising slogans are gimmicks. There is no such loan "living Lei Feng" in the world.
2. Raise awareness of self-prevention. Before borrowing money, you must check the information of relevant companies and stay away from organizations without financial qualifications in the name of "small loan companies" and "bank cooperative organizations".
Never give your mobile phone to someone else for operation. Speaking of account registration, face recognition, downloading software and so on. Be careful. Do it yourself Don't tell strangers the verification code.
Be careful when signing and writing. When signing any contract, you should read the contents carefully, and be wary of the overlord clauses such as "cash discount", "high penalty interest" and "rolling interest" to avoid the snowball development of loans. The blank space must be clearly filled in or crossed out, so as not to give the other party a chance to forge or tamper with it.
Picture | Screenshot
Material | Guangdong Network Police
Related Questions and Answers: Related Questions and Answers: How to get an unsecured loan? Hello, I'm Xu Yukun, an old bird in the loan industry for many years.
How to get a loan without a mortgage?
Generally speaking, loan products are divided into two categories: credit loans and mortgage loans.
From the questions raised by the subject, it can be concluded that the subject may directly deny the mortgage loan because of his own qualifications or subjective will.
Naturally, we only have the option of credit loan.
So in the current market, which credit loans are more mainstream and easier to operate?
Then, this will return to my personal specialty-how to match the corresponding products according to the personal identity of customers?
Generally speaking, credit loans are also divided into two categories:
1 category is the best mainstream product on the market at present, and it is also the most inclined national policy at present. It is a commercial loan for business owners or shareholders.
This kind of loan is a kind of credit loan product based on the customer's qualification as an enterprise legal person or an enterprise shareholder. Basically, they can be subdivided into-corporate tax loans, corporate business loans, and ordinary commercial loans; And high-tech enterprise loans supported by special policies when enterprises have high-tech labels or intellectual property rights.
There are several basic requirements for this kind of products in the market: first, whether you have applied for a business license for more than two years; Second, whether the enterprise paid taxes to the state normally in the past operation, and whether the tax amount met the requirements of relevant banks (such as annual tax payment exceeding 20,000); The third is whether the enterprise has field operations, and it is necessary to eliminate false operations or other irregularities. The fourth point is particularly important, that is, how about corporate credit? Does the enterprise have court enforcement or litigation, the credit information of the enterprise legal person or the company's important shareholders, and whether the enterprise has been lazy?
The above four points are important factors that determine whether an enterprise can operate credit loans. In addition, there are corporate tax rating, credit rating, and whether the certification of high-tech enterprises is interrupted. These are also important factors that determine the type and quantity of products, credit line and interest level. This is the product of 1
The second category of products is the personal credit loan products with the most transactions and contacts with customers in our market in recent years.
This product. Often tend to be personal, consumer-oriented loan products. Among the customers of this kind of products, the largest number of customers appear, usually office workers, or some self-employed and freelancers. It is difficult for the group to borrow money from banks in the name of enterprise (individual) operation.
For products that fall into this category, this requirement is more personal. Talk about the representative products of Ping An Pratt & Whitney, Pacific, Sunshine Credit Insurance and other companies-policy loans.
Such products are often based on personal past credit records, economic strength, repayment willingness and ability. After a comprehensive evaluation of the customer, the loan can be released.
Among the human credit products, the most mainstream and stable products on the market at present are: mortgage housing (mortgage housing) credit loans, policy credit loans, provident fund credit loans, and credit card loans from high-quality enterprises (such as state-owned enterprises and Fortune 500 companies).
In the product operation of these personal credit loans, a principle has been implemented-that is, the consideration of customers' stable repayment ability.
Because in any case, any business, including financial loans, should take cost risk as the first commercial operation principle.
Finally, I want to add a few words. Loan is a risky business, which requires a high degree of planning and good plan execution. Because the essence of credit loan is overdraft, it is to use tomorrow's money for today. Therefore, if the topic has not reached the point where it is necessary to borrow money, I personally suggest that you should think twice before you do it.
Well, that's my answer. I am Xu Yukun, an old bird in the loan industry for many years. A financial person who is proud of compliance and pursues professionalism.