What is the platform of Chongqing Meituan's three small loans?

Chongqing sankuai micro-loan company is a small loan company, not an online loan platform. However, three small loan companies in Chongqing lent money to Meituan for living expenses, so users applied for the living expenses of Meituan. The lender shown in the credit report is Chongqing Sankuai Microfinance Company. If you receive short messages from three small loan companies in Chongqing, it is also because the living expenses of the user Meituan are overdue.

The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto finance companies and trust companies in terms of definition and business scope. On August 1 1, 2009, the CBRC issued the Notice on the Management Provisions of Loan Companies (No.76 of 2009), which standardized the behavior of loan companies in China.

A loan company refers to a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks with the approval of China Banking Regulatory Commission according to relevant laws and regulations, which provides loan services for county farmers, agriculture and rural economic development. The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.

Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock pledge loans, foreign exchange pledge loans, enterprise term pledge loans, gold pledge loans, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounted by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

Business segmentation:

(1) Handling all kinds of loans;

(2) Discounting bills;

(3) Handling the transfer of assets;

(4) Handling the settlement under the loan;

(5) Other asset businesses approved by China Banking Regulatory Commission.

Loan companies must adhere to the business purpose of serving the development of farmers, agriculture and rural economy, and the investment of loans is mainly used to support the development of farmers, agriculture and rural economy.

Loan companies are not allowed to absorb public deposits, with high credit lines and flexible loan methods.

Divided by time limit

(1) Short-term loan: refers to the loan with a loan term of 1 year (inclusive).

(2) Medium-term loans refer to loans with a loan term of 65,438+0 years (excluding) to 5 years (including).

(3) Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).

Divide by purpose

(1) Capital construction loans refer to medium and long-term loans approved by the competent authorities for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.

(2) Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.