I want to get a loan from CreditEase Pratt & Whitney. Is this credit company formal?

I want to get a loan from CreditEase Pratt & Whitney. Is this credit company formal?

Yixin Pratt & Whitney is to give a pit ratio. Don't be fooled. The interest is still very high, that's right.

Second, how is CreditEase's work? Is it a regular company?

It's not formal. It's designed to cheat some students or people who just work. Don't say that the interest is high, don't call a day or two late, and don't get a loan. The state should control these fraudulent companies, and students without social education are the most likely to be deceived.

3. Is CreditEase Loan a regular company?

These companies are equivalent to the spin-off of a company, some are responsible for recommending customers, some are responsible for financing, some are responsible for auditing, and some are responsible for collection. I think it is to prepare for listing abroad in the future, and at the same time reduce the risk. Looking at it now, the creditworthiness model is a legal gray area. Although it is not illegal, the CBRC is very opposed. If CreditEase's bad debts are too high and the capital chain is broken, then the last batch of individuals who invested will be wiped out. It's equivalent to passing a parcel.

4. Is CreditEase Loan a regular company?

There are many advertisements, so be formal.

1. Risks brought by role positioning. Loan companies are non-financial institutions, "doing financial things, but not enjoying financial rights". The core of microfinance is microfinance. In fact, it is not just small loans, but also credit, including savings, membership fees, insurance and other services.

2. The company can only carry out loan business and cannot absorb reserves. We must solve the financing bottleneck and guard against illegal financing risks.

The company's main sources of funds are capital paid by shareholders, donated funds and integrated funds from no more than two banking financial institutions. Within the scope prescribed by laws and regulations, the company's capital balance obtained from banking financial institutions shall not exceed 50% of its net capital. The fundamental reason is that the company has not really entered the financial market and is not qualified to enter the lending market and the bill market.

3. The most important commercial market risk of the company.

Small and medium-sized enterprises are facing difficulties in starting a business, financing and development. At present, banks attach great importance to SME loans. If banks really do this business, high-quality SME customers will be concentrated in banks, and companies can only face inferior SMEs. The clients of microfinance belong to the lowest customer group in the financial market. The traditional banking industry takes mortgage guarantee as the basic means to prevent and control risks, which is a condition that low-end customers cannot meet.