1 thought on “Is the water drop loan a regular platform?”
Gwen
It is regular. The water loan is provided by Chongqing West Bank Micro Loan Co., Ltd., and the company is a loan company under Didi obtained a small loan license. Ti -drop of licensed institutions also has Xinwang Bank. The shareholders of this Internet bank are New Hope Group, Xiaomi and Red Flag Chain. Therefore, in terms of qualifications or background, dripping is formal, not the kind of "three -no -platform" that everyone is worried about.
The expansion information: The simple and popular understanding of loans (electronic debit credit loans) is to borrow money for interest. The loan is a credit activity form of borrowing money funds in accordance with certain interest rates and must be returned. The general term of loans refers to loans, discounting, and overdrafts. The banks through loans to put out the concentrated currency and currency funds, which can meet the needs of supplementary funds for social expansion of reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase banks His accumulation. "three -sex principles" refers to safety, liquidity, and efficiency, which is the fundamental principle of loan operations of commercial banks. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take self -operating, self -profit and loss, and self -constraints based on the principle of security, liquidity, and benefits." 1, loan security is business is business The first problem facing banks; 2, liquidity refers to the ability to recover loans at the predetermined period or quickly realize in a state of no loss to meet the needs of customers to withdraw deposits at any time; The foundation of banks' continuous operation. . For example, if you issue long -term loans, the interest rate is higher than that of short -term loans, and the benefits are good, but the loan period is long, the risk will be increased, the security will be reduced, and the liquidity will become weakened. Therefore, the "three sexes" must be harmonious, so that the loan can not have problems. The repayment method: 1, equivalent principal and interest repayment: that is, the sum of the principal and interest of the loan adopts a monthly equal repayment method. Housing provident fund loans and most banks' commercial personal housing loans have adopted this method. This method has the same repayment amount monthly repayment; 2, equal principal repayment: that is, the borrower shares the loan amount to the entire repayment period of each period (month), and at the same time pay the previous trading day A way of repayment on the loan interest on this repayment date. The monthly repayment amount is decreased month by month; 3, the monthly payout expires of the repayment of the repayment of the borrower at one time on the loan expiration date [the period of less than one year (including one year (including one year ) Loan applicable], the loan is calculated on daily interest, and the interest is returned on the monthly; 4, the repayment of some loans in advance: that is, the borrower submits an application to the bank to repay part of the loan amount in advance, the general amount is 10,000 or 10,000 Overseas, after repayment, the loan bank will issue a new repayment plan at this time. Among them, the repayment amount and the repayment period will change, but the repayment method is unchanged, and the new repayment period must not exceed the original loan. Speed. 5. Repair all loans in advance: that is, the borrower shall apply to the bank to repay all the loan amount in advance. After the repayment, the loan bank will terminate the loan of the borrower and go through the corresponding termination procedures. 6. With the borrowing: The interest after the loan is calculated by the day, using one day a day. You can settle the money at any time without liquidated damages.
It is regular.
The water loan is provided by Chongqing West Bank Micro Loan Co., Ltd., and the company is a loan company under Didi obtained a small loan license.
Ti -drop of licensed institutions also has Xinwang Bank. The shareholders of this Internet bank are New Hope Group, Xiaomi and Red Flag Chain.
Therefore, in terms of qualifications or background, dripping is formal, not the kind of "three -no -platform" that everyone is worried about.
The expansion information:
The simple and popular understanding of loans (electronic debit credit loans) is to borrow money for interest.
The loan is a credit activity form of borrowing money funds in accordance with certain interest rates and must be returned. The general term of loans refers to loans, discounting, and overdrafts.
The banks through loans to put out the concentrated currency and currency funds, which can meet the needs of supplementary funds for social expansion of reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase banks His accumulation.
"three -sex principles" refers to safety, liquidity, and efficiency, which is the fundamental principle of loan operations of commercial banks. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take self -operating, self -profit and loss, and self -constraints based on the principle of security, liquidity, and benefits."
1, loan security is business is business The first problem facing banks;
2, liquidity refers to the ability to recover loans at the predetermined period or quickly realize in a state of no loss to meet the needs of customers to withdraw deposits at any time; The foundation of banks' continuous operation.
. For example, if you issue long -term loans, the interest rate is higher than that of short -term loans, and the benefits are good, but the loan period is long, the risk will be increased, the security will be reduced, and the liquidity will become weakened. Therefore, the "three sexes" must be harmonious, so that the loan can not have problems.
The repayment method:
1, equivalent principal and interest repayment: that is, the sum of the principal and interest of the loan adopts a monthly equal repayment method. Housing provident fund loans and most banks' commercial personal housing loans have adopted this method. This method has the same repayment amount monthly repayment;
2, equal principal repayment: that is, the borrower shares the loan amount to the entire repayment period of each period (month), and at the same time pay the previous trading day A way of repayment on the loan interest on this repayment date. The monthly repayment amount is decreased month by month;
3, the monthly payout expires of the repayment of the repayment of the borrower at one time on the loan expiration date [the period of less than one year (including one year (including one year ) Loan applicable], the loan is calculated on daily interest, and the interest is returned on the monthly;
4, the repayment of some loans in advance: that is, the borrower submits an application to the bank to repay part of the loan amount in advance, the general amount is 10,000 or 10,000 Overseas, after repayment, the loan bank will issue a new repayment plan at this time. Among them, the repayment amount and the repayment period will change, but the repayment method is unchanged, and the new repayment period must not exceed the original loan. Speed.
5. Repair all loans in advance: that is, the borrower shall apply to the bank to repay all the loan amount in advance. After the repayment, the loan bank will terminate the loan of the borrower and go through the corresponding termination procedures.
6. With the borrowing: The interest after the loan is calculated by the day, using one day a day. You can settle the money at any time without liquidated damages.