Is Shenzhen Bao Tong Tianxia Microfinance Company a liar company?

Shenzhen Bao Tong Tianxia Microfinance Company is not a fraud company, but a private credit company that provides small funds for individual merchants.

Small loan companies that meet the conditions for establishment are legal. Microfinance companies are limited liability companies or joint stock limited companies established by natural persons, corporate legal persons and other social organizations that do not absorb public deposits and operate microfinance business.

There is generally no risk. Microfinance is a limited liability company or limited-share microfinance company established by natural persons, enterprise legal persons and their social organizations that does not absorb public deposits and operates microfinance business. Compared with banks, small loan companies are more convenient and faster, and are suitable for the capital needs of small and medium-sized enterprises and individual industrial and commercial households; Compared with private lending, microfinance is more standardized, and loan interest can be negotiated by both parties. A small loan company is an enterprise legal person, which has independent legal person property, enjoys legal person property rights, and bears civil liability for its debts with all its property. Shareholders of small loan companies enjoy the right to return on assets, participate in major decisions and choose managers according to law, and are liable to the company to the extent of their subscribed capital contribution or subscribed shares. Small loan companies shall abide by national laws and administrative regulations, implement national financial policies, implement financial standards and accounting systems of financial enterprises, and accept the supervision and management of the government and relevant departments according to law. Small loan companies shall implement the national financial policies, conduct business within the scope prescribed by laws and regulations, operate independently, be responsible for their own profits and losses, manage themselves by themselves and bear their own risks. Their legitimate business activities are protected by law and are not interfered by any unit or individual.

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What does microfinance mean?

Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, there are also personal micro-loans for the Shang family, generally ranging from 1 1,000-5,000 yuan. Most of them don't need mortgage, but the credit and information review is strict.

Specific steps of microfinance

1. The borrower shall apply to the bank outlets that provide small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;

2. After receiving the lender's application, the bank will review the lender;

After passing the examination and approval by the bank, sign a loan contract with the bank;

4. The bank lent money, and the lender successfully got the loan. The above is an introduction to the legitimacy of small loan companies. You can learn about the specific process of microfinance, and the provisions of different bank loans are different. Prepare relevant materials in advance and go through the formalities according to regulations. If you still don't understand this, you can consult a lawyer looking for the French Open.

Article 2 1 1 of the Contract Law stipulates that if interest is not stipulated or clearly stipulated in the loan contract between natural persons, it is deemed that interest is not paid. If the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. (The Contract Law will expire on February 3, 20201. )

Article 680 of the Civil Code prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.