Several problems of Quanzhou Ping 'an Easy Loan Insurance.

The main characteristics of Ping An Easy Loan Insurance

[1] According to the relevant regulations of the CBRC, any loan shall not be used to invest in the stock market, futures market or any other equity investment. Ping An Easy Loan Insurance Loan can be used for any reasonable enterprise capital turnover and emergency or capital shortage, including purchasing materials. As we all know, it is impossible to borrow money from banks without collateral, and Ping An Group's new "credit guarantee insurance" has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank left risk management to Ping An to check the customer's information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination. For customers with credit insurance, with Ping An Group as the credit guarantee, they can directly bring the credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend the money to the applicant's account according to the date stipulated in the contract. (Tip: Ping An's credit guarantee insurance premium does not need to be paid by customers in advance. After the loan comes down, the insurance premium will be deducted at one time, and the bank interest and monthly repayment amount will be deducted regularly every month. )

"Ping An Easy Loan Insurance"

"Ping An Easy Loan Insurance" was piloted in Shenzhen before, also called "Xin An Easy Loan". Direct loan from Ping An Trust, 18 business outlets. In the past two months, the average loan amount was1.200 million. On average, 7,000 customers applied for loans every month, and about 4,500 customers made loans successfully, with an approval rate of 65%. Most customers recognize 65438+. As the second pilot city, Shanghai is also quite successful. In 2008, Ping An Easy Loan officially entered the mainland market and opened in Guangdong, Zhejiang, Jiangsu and other regions.

The main features of "Ping An Easy Loan Insurance":

Microfinance of 65,438+0,000-65,438+0,500,000, free of mortgage and guarantee. The loan speed is fast: 3-5 working days (depending on the customer's information integrity and professional status), but the premium is quite high. Take the loan 1 yuan as an example, only the premium needs 265438+.

Conditions for handling loans with Ping An Easy Loan Insurance

The loans underwritten by Ping An Easy Loan Insurance can be used for any reasonable personal or family consumption. Office workers, individual industrial and commercial households and private enterprises can apply for loans for some business needs, such as travel, study and further education, house decoration and purchase of production equipment. The applicant of Ping An Easy Loan Insurance must meet the following conditions: China nationality (excluding residents from Hong Kong, Macao and Taiwan), age 2 1-55 years old, living in the applied city, working in the current unit for 6 months, and earning 2,000 yuan a month. Once the customer is successfully insured, the cooperative bank can promise that the loan will arrive quickly.

Loan application materials

Copy of ID card, proof of work (labor contract, or certificate issued by the company, it would be better if there is a social security card), proof of income (salary daily account for the last three months issued by online banking, bank daily account for the last month issued by cash), proof of address (rental contract, recent water and electricity bill or credit card statement sent to home), and the approval amount and pass rate of ownership certificate are relatively high under the same conditions, depending on the specific situation of the applicant.

On the basis of meeting the insurance conditions, the applicant's credit record is very good, he has real estate in the local area, the information is true, and the application form is standardized and true. . . All of the above are helpful for customers to apply for loans and introduce loan fees.

"Ping An Easy Loan Insurance" has very low insurance conditions, and any China citizen with a stable job and income can apply for it. In terms of cost, Ping An Property & Casualty charges a certain credit guarantee premium, but the premium is quite high. Take the loan of 1 year of 10000 yuan as an example, only the premium needs 2 100 yuan (the premium is calculated at 2.6% per month), but the repayment method of Ping An Easy Loan is equal repayment of principal and interest per month, which makes the actual funds only account for half of the loan, making the actual premium as high as 2.6. Cooperative banks charge loan interest at normal interest rates. The introduction of repayment depends on the number of repayment periods selected by the applicant, one per month. Yes, 1 year, 2 years. Based on the loan date, the repayment date is the same day of each month during the repayment period, and the bank will automatically deduct the repayment amount from the bank card of the loan. Before the repayment date, SMS will remind you of the monthly repayment amount. Ping An Easy Loan Process 1. The borrower shall submit the following materials to the bank: (1) loan application approval form; (2) A copy of my valid identity document; (3) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months); (4) proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. ); (5) Effective contact information and telephone number; 2. After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract. 3. The bank issues loans to borrowers through transfer.

Recent situation of Ping 'an Easy Loan Insurance

On September 29th, 2009, China Ping An Property Insurance Co., Ltd. (hereinafter referred to as Ping An Property & Casualty Insurance) and China Everbright Bank (hereinafter referred to as China Everbright Bank) formally signed a strategic cooperation agreement on developing the national personal microfinance business. This cooperation will kick off the national cooperation between Ping An Property & Casualty and China Everbright Bank. This means that personal microfinance, a convenient and fast service that only residents in individual cities and regions can enjoy, will benefit the whole country. According to the cooperation agreement between the two parties, Ping An Property & Casualty will cooperate with China Everbright Bank to provide short-term small unsecured loans to individual customers. Ping An Property & Casualty can help customers obtain unsecured small short-term loans from China Everbright Bank by providing an innovative insurance product, namely "Ping An Personal Consumer Credit Guarantee Insurance". Song, deputy general manager of Ping An Property & Casualty and general manager of the Credit Guarantee Insurance Division, told reporters that the launch of Ping An personal consumer credit guarantee insurance products has met the needs of the majority of low-and middle-income groups to obtain short-term small unsecured loans from banks and filled the gap in the domestic credit insurance field, which was welcomed by the market and received enthusiastic response. From the end of 2007, Ping An began to practice the innovative business model of "personal consumer credit guarantee insurance+bank micro-loans" in Shanghai. Since then, it has established good cooperative relations with many local commercial banks in 20 cities including Hangzhou, Wuxi, Nanjing, Ningbo, Chengdu, Guangzhou and Xiamen. The business volume has increased year by year, the business scale has been continuously expanded, and the pace of development has been solid and steady, which has helped nearly 85,000 customers obtain small loans in banks. Shan Jianbao, vice president of China Everbright Bank, said that China Everbright Bank has always paid attention to product innovation, and many emerging businesses are growing rapidly. This time, China Everbright Bank will give key support to the personal micro-credit loan business as an innovative product of personal loans. At present, the customers of personal consumption credit products in the market are often middle-and high-income people with stable income sources and certain assets. The majority of low-and middle-income groups have a huge demand for loans, but they can't get loans from commercial banks smoothly for various reasons. This just provides a huge market for the personal micro-credit loan business with broad business prospects. In this context, China Everbright Bank and Ping An Property & Casualty jointly launched a personalized financial product-"total-to-total" personal micro-credit loan, which effectively solved the problem of "difficult financing and guarantee" of personal consumption credit, and had important practical significance in encouraging and guiding personal consumption. According to incomplete statistics, there are not many banks providing pure credit loans at present, and the threshold is very high. For example, the "Universal Fund" of Shanghai Pudong Development Bank, the "White Collar" of Bank of Ningbo and the "Easy Credit Loan" of Nanjing Bank. However, these businesses usually lend to some middle and high-end people, such as civil servants, university teachers and doctors, and have strict requirements on the income of applicants. Comparatively speaking, "Ping An Easy Loan" products are mainly aimed at low-and middle-income customers, which are different from high-end customers of banks. Its innovation is that with this insurance, low-and middle-income people without collateral can also get loans from banks. If you don't pay the money, the insurance company will "pay the bill", but the applicant ruined his credit record. Shu Xingnong, deputy governor of Nanjing Bank, commented: "Providing credit insurance for low-and middle-income people is actually what banks should do, but for many reasons, banks have not taken it into account. Now the intervention of insurance companies is indeed an innovation. " [