Is the loan from Haier Consumer Finance Company true?

Haier consumer finance loan is a formal loan product.

Haier consumer finance loan is a loan business under Haier consumer finance co., ltd.

Haier Consumer Finance is the first national consumer finance company approved by China Banking Regulatory Commission after the nationwide pilot expansion of consumer finance.

Therefore, compared with other Internet loan products, Haier's consumer finance loans can be assured that Haier's consumption is more formal.

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.

Its advantages are as follows:

1. Due to the high marketing cost of bank microfinance, it is difficult for small enterprises to apply for loans directly from banks, which leads to small enterprises turning to financing institutions such as loan guarantee institutions for help when they have financing needs. The cost for loan guarantee institutions to select customers is relatively low. Choosing high-quality projects to recommend to cooperative banks can improve the success rate of financing and reduce the marketing cost of bank microfinance.

2. In terms of risk control of loans, banks are reluctant to invest in small loans. One of the important reasons is that the management cost of such loans is high and the benefits are not obvious. For this kind of loans, loan guarantee institutions can optimize the management process, form personalized service for post-loan management, share the management cost of banks, and eliminate the worries of banks.

3. After the risk is released, the advantages of loan guarantee institutions are irreplaceable. The project of bank direct loan is risky, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity. The cash compensation of guarantee institutions has greatly solved the problems that banks are difficult to deal with. Some loan guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the loan guarantee institutions will resolve the risks through their more flexible handling methods compared with banks.

4. The timeliness of the loan company is fast. The bank's inherent loan model and process are easy to cause a lot of time waste for SME owners, and the efficiency is difficult to guarantee; The guarantee company just embodies the flexible and changeable mode of designing special financing schemes for different enterprises.

Furthermore, the credit given by the loan company on the basis of mortgage greatly exceeds the value of the mortgaged assets.

Provide more demand funds for SMEs. Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.