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Don't feel free to lend! Teach you to distinguish the true and false of a small loan company!

Time: 2017-04-26         Source: Rong 360 finishing         Author: 51 Credit Card Financial Advisor

  MicrofinanceAlthough the company has become popular in our daily life, many people still don't know much about it. They don't know how to distinguish it from the true and false, which is why it often brings us unnecessary economic losses. LetRong 360Xiaobian to teach you a few tricks!

Method 1: Identify the company name

Small amountloanThe name of the company is generally composed of “region + name + 'micro-credit' + company nature”, and the micro-loan company cannot handle business across regions. If the business staff advocates their business, you can handle it nationwide. There is no doubt that it is definitely an informal company.

Method 2: External image

On the one hand, if a short name is used in a small loan company's plaque, there will be a “small amount”, such as “Peach Blossom River Small Loan”; on the other hand, a small loan company will have a prominent position at the door of the provincial financial office. The “Unified Logo” bronze medal has the province-wide unified number for the microfinance company in the upper right corner, which can be verified by the provincial financial office or the local microfinance company.

Method 3: Establishment procedure

In addition to the formalities required for general business such as business licenses, the microfinance company also has the “opening approval” issued by the Provincial Finance Office. The name of the document is usually “Reply on the opening of the Taohuajiang Microfinance Company”. When you apply for a loan business, you can ask the microfinance company to show the opening approval to distinguish it.

Method 4: Interest rate

The interest rate of a regular microfinance company cannot exceed four times the interest rate of the bank's loan products over the same period. If it exceeds this range, it will be suspected of usury. Or you can call the local financial office and the industrial and commercial bureau for consultation to identify the authenticity.

  Urgent use of money? We have reviewed hundreds of microfinance products! Pay attention to the WeChat public account "fast money" (ID: chuqiankuai), reply to "emergency money", no longer afraid of borrowing money.

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