How to deepen the credit loan mechanism of CreditEase Loan

1. How can CreditEase deepen the credit loan mechanism?

Everyone should consider reliability and security when choosing loan products or loan platforms. In addition, I think the transparency of the loan mechanism is also a major factor to test whether the loan products are qualified. CreditEase Loan has made some achievements in this respect, but there are still many people who don't know much about it. Let's first understand how high the credibility of CreditEase loans is. How about CreditEase loan? CreditEase is a personal credit loan consulting service organization founded by Tang Ning. Headquartered in Beijing, CreditEase has established nationwide service networks in many first-tier cities such as Shanghai, Hangzhou, Wuhan, Guangzhou, Qingdao, Dalian, Xi, Nanjing, Suzhou and Chengdu. As a leading personal credit loan service enterprise in China, CreditEase provides innovative and high-quality credit products and services to consumers in China, namely. CreditEase loans do not absorb deposits, do not lend, and never touch the bottom line of illegal fund-raising. The average loan amount of CreditEase Platform is only about 40,000 yuan, which is unlikely to flow into restricted industries such as real estate, "two highs and one surplus". CreditEase's personal credit loans are free before and after lending. If it's a fee, it's not a direct loan, so you don't have to worry about whether CreditEase's loan is true or not, because you just need to make sure that I don't have to pay any fees, so there will be no fraud. As long as we do the above, we can be sure that the CreditEase loan is true, but we should go to a formal CreditEase loan agency to handle the loan business, because even any bank or company will have an impostor, so we should raise our awareness of prevention and find a formal online application channel. Deepen CreditEase's loan mechanism CreditEase introduces advanced foreign ideas and establishes a P2P credit service platform in combination with the domestic social credit situation. At both ends of the platform, one end is a high-growth group such as micro-business owners, working-class people, college students and poor farmers, which are called borrowers; At the other end are urban people with spare money, who have financial needs but can't find suitable investment channels. Customers at both ends realize the effective docking of CreditEase platform information. CreditEase helps borrowers to obtain unsecured and unsecured credit funds through credit audit, risk control and other services, and lenders obtain expected annualized interest income by lending idle funds. Easy credit loan process 1. Prepare application materials (I am the same borrower as * * *); 2. Submit application materials to the staff of CreditEase; 3. CreditEase credit review (2 working days); After approval, the transaction will be carried out on the same day. Issues related to Credit Suisse's loan process 1. How long does the loan review usually take? After the loan application is submitted successfully, the staff will review it within 2 working days, and the result will be notified by email. 2. After approval, how long can I receive the loan? Under normal circumstances, the system will lend money within 3 working days after the bid is full. 3. Why is the loan amount lowered? According to the materials uploaded by the borrower, the credit review team will conduct a professional system evaluation. If the system evaluates that the amount applied by the borrower will cause repayment pressure, it will reduce its amount. The borrower needs to confirm whether to accept the adjustment within 3 days after approval. If it is not confirmed within 3 days, the system will give up the loan by default. Pleasant loan suggests that the borrower accept the adjustment of the quota, repay the loan in time and establish a good credit. With a good repayment record, the next time you borrow money, you may get an increase in the loan amount. Appropriate credit application conditions. Identity authentication (the lender's ID card is required) ID card The second generation ID card needs to provide positive and negative photos. Second, the work certificate needs to provide the following information (choose one of the three items). 1, the work permit has a name and photo. 2. The labor contract. 3. The on-the-job certificate stamped with the official seal of the company must have the official seal or financial seal of the company and show the issuer and contact number. Note: (Working experience must be at least 6 months) III. Proof of income: the payroll card bank's running list for the past six months, each page stamped with the official seal of the bank (it must be nearly six months from the start month to the printing date) or (the computer screenshot of the payroll card online banking must show the name and), and the original photos of the front and back of the social security card. Four. Credit report authentication (if it is a legal person) for personal credit report, customers need to go to the Credit Information Center of the People's Bank of China to handle their own credit report, which needs to be typed in the last two weeks. Bring the original and one copy of my valid ID card (keep it in the Credit Information Sub-center for future reference) and inquire at the Credit Information Sub-center of the People's Bank of China. Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), military officer's card, soldier's card, etc. Conclusion: Seeing this, I believe everyone has their own answers about Easy Credit. For example, the fast application channel provided by friends with loan needs is simple, the process is clear, and the most important thing is not to charge any extra fees.

Second, is CreditEase's loan review strict?

Regular small loan companies have a large scale, but CreditEase's credit interest is high, generally between 1.3-2.3, and the access conditions are relatively loose. Three-year equal principal and interest repayment, the amount is generally below 200,000. If the repayment is made on time, it will have no impact on the credit investigation.

3. How about CreditEase loan? Does it belong or not? Advantages and disadvantages?

Yixin is not bad.