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How deep is the water for microfinance? Will microloans get credit information?

Time: 2016-12-26         Source: Zhumadian News         Author: Zhumadian News

Introduction: Due to the huge demand at the end of the year, bank credit tightened.MicrofinanceIt can be described as blooming everywhere, but when applying for loans, it is also necessary to pay attention to a problem. How deep is the water for small loans? Will there be any credit for small loans?

“At the end of the year, due to rapid capital turnover, the demand for small loans increased, and the borrower’s demand for small amounts was mainly from RMB 100,000 to RMB 300,000.” Recently, the work of the Bank’s Bank Credit Department Mr. Zhang introduced the staff. In life, many people will face the problem of shortage of funds. Usually, they will choose toBank loan. However, by the end of the year, some people would choose to apply for loans to small loan companies in order to avoid the cumbersome procedures and procedures for bank loans. However, the problem has arisen. How deep is the water in microfinance? Will microloans be recorded on credit records?

Do you record credit records on small loans?

Mr. Zhang introduced that there is a large demand for loans at the end of the year. There are two main reasons. One is that most of the borrowers at the end of the year have high demand for funds. Banks handled and issued loans at the end of the year at a slower pace, andConsumer loansLimits, etc., so the borrower will choose a convenient way to fast-track loans, prompting the growing demand for small loans. Another reason is that diversification of online and small-sum lending methods of various types of lending APP has led many people to use these new ways to meet the needs of short-term financing.

However, whether these micro-loans will be recorded on credit records has become a concern for many people. In this regard, Mr. Zhang introduced that loans lent by banks will often leave “credit taints” in credit records if they are overdue.Whether the loan record of the micro-credit company will be recorded on the credit record depends on whether the micro-credit company has connected the interface of the central bank credit information..

According to the data, there are less than 100 micro-credit companies that link up with the central bank's credit reporting interface. In other words, when most microfinance companies bid for small loans, the borrower’s loan record will not be credited.Personal credit reportin. However, some small loan companies will have a shared “black list” of credits. If you always have loans that are overdue, you will not be able to borrow money from this small loan company. Perhaps other companies will be rejected. outer.

Microfinance company "How deep is the water?"

The reporter learned that formal microfinance companies have been approved by the financial sector and registered with the industry and commerce departments. Consumers can call the authorities to verify the situation. In addition, many formal microfinance companies now only conduct business within the scope of the registration. However, some “cheat companies” often exaggerate their business capabilities in order to obtain business and claim to conduct business across the country. When a regular microfinance loan company approves a loan, it will communicate with the borrower in person, and it will ask the borrower to provide detailed production and operating conditions and family income, and even to conduct a field trip to the borrower's place of residence and business location. But the cheat company's review process will be much simpler.

Mr. Zhang reminded the public that microfinance is increasing and its forms are becoming increasingly diverse. But many people do not think that this may be hidden risks.

Some small loan companies that issue business cards everywhere and post small advertisements claim "low interest rates." In fact, this is often a scam. Under normal circumstances, the interest on small loans will be higher than bank loans, and "low interest rates" cannot exist. Companies that call "low interest" may charge in other forms.

It is even more ridiculous for some microfinance companies to say that “there is someone inside you can borrow”. Because no matter what kind of borrowing, it is necessary to submit relevant materials to prove the borrower's qualifications. It is impossible to borrow money if the qualification fails to meet the requirements. Basically it can be determined that this is a trick for fraudsters or loan sharks.

Today, the forms of borrowing are getting richer, but there are risks associated with their growth. With the emergence of various types of loans APP, the Internet has emerged as a "no need to meet, fax transmission contract, the strength of the country's loans" such a guise. You must be vigilant in such situations, or you may be deceived.

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