What formal loan companies are there in Shenzhen?

1. What are the formal loan companies in Shenzhen?

For example, Zhongan Xinye, Ping An Easy Loan, UA Easy Loan and CreditEase are all formal credit companies. : 1, loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 2. The legal content of the pre-loan investigation is: 1) Review the legal status of the borrower regarding its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. 2) Regarding the credit status of the borrower, check whether the registered capital of the borrower is suitable for the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. 3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; 4) Regarding the guarantee, the qualification, reputation and performance ability of the guarantor should be examined. 3. The loan review suggests that every loan should be carefully reviewed, and the risk judgment of the loan should not be based on the past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed. 4. Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly. 5. Repayment method: 1) Equal principal and interest repayment method: equal repayment every month, and repayment of the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; 2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month.

2. What are the formal companies in Shenzhen?

There are quite a few, such as Ping An and XinYou, but these are all companies, depending on whether you want to go through bank channels or such companies.

3. Is Qianhai Jin Nuo Finance a regular company?

This is a regular company.

Shenzhen Jin Nuo Finance Co., Ltd. is formal.

Shenzhen Jin Nuo Finance Co., Ltd. is a limited liability company officially registered in Shenzhen. Its registered address is located at Room 20 1, Block A, Qianwan 1st Road1,Shenzhen Qianhai Shenzhen-Hong Kong Cooperation Zone.

Although there have been some labor disputes, the company is a legal company passing through industrial and commercial registration.

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