What is the interest rate of 20 17 personal consumption loan?

1.20 17 What is the personal consumption loan interest rate?

The loan interest rate needs to be comprehensively priced in combination with your application method and other factors, and can only be determined after being approved by the handling outlets. You can log on to our homepage and check the click rate.

2.20 17 which bank has the lowest interest rate on consumer loans?

Simply answer your question about which bank has the lowest loan interest rate, only China Agricultural Development Bank. Because it is a policy bank, the loan interest rate is very low. For example, the one-year loan interest rate is only 5.3 1%, which is almost 1/2 of other commercial banks. But because it is a policy bank, it only lends to agriculture and infrastructure, and has no personal business. So as an individual, it is impossible for you to get a loan. The above is just to answer your question "which bank has the lowest loan interest rate". As for loans from commercial banks, the interest rates of all banks are the same. You just need to choose a bank according to your own situation and then meet their requirements. Usually, you need your assets as collateral.

Third, consumer loan risk control.

1030 10 training course 1. [Course Background] At present, the development of consumer credit is in full swing and it has become a "propellant" for the growth of banking business. However, there are many risks and problems in personal consumption credit, which has become a "trap" for banks' non-performing loans and is also facing strict supervision. How to achieve legal compliance and improve asset quality is a realistic and urgent problem. Two. [Teaching Duration] This course lasts for one day (6 hours). Three. Teaching object] Senior managers and consumer finance practitioners of financial institutions such as commercial banks and consumer finance companies. Verb (abbreviation of verb) [course features] 1. Unique professional advantages: Mr. Zhang is a senior professional financial lawyer with profound legal knowledge and rich practical experience. His legal training is targeted and practical. 2. Unique lecture skills and style: Mr. Zhang doesn't talk about theories and cases, terminology and spoken English. He makes theoretical cases, case stories, story plots and actual plots, pays attention to details and wins with unique skills; Courseware and cases are carefully designed, with clever logic, and legal knowledge is integrated into social phenomena; The lecture style is lively and interesting, entertaining and entertaining; Explain the law in a simple way, so that students can understand and listen; By combining words, pictures, audio and video, interaction, etc. Fully mobilize students to actively participate in the interaction and feel on the spot. The classroom atmosphere is relaxed and lively, which breaks the rigid model of pure theory and achieves good results. Intransitive verbs [training customers] Shandong Dezhou Banking Association, Liaocheng Banking Association, Rizhao Banking Association, Gansu Linxia Banking Association, Ningxia Shizuishan Banking Association, Anhui Bengbu Banking Association, Henan Luoyang Banking Association, Industrial Bank, China CITIC Bank, Bank of Beijing, bank of tianjin, Puyang Agricultural Bank, Dingxi Industrial and Commercial Bank, Shijiazhuang Huaxia Bank, Huai 'an Postal Savings Bank, bank of qinghai, Jilin Bank, Jiangxi Bianhe, Heilongjiang Postal Savings Bank. More than 200 rural commercial banks or rural credit cooperatives in Shandong, Shaanxi, Qinghai, Jilin, Gansu, Henan, Jiangsu, Guangxi, Fujian, Sichuan, Hunan, Anhui, Shanghai, Guangdong, Heilongjiang, Inner Mongolia and Xinjiang. Seven. [Course Outline] The first part is an overview of personal consumption loan management. First, the definition of personal consumption loan. Personal consumption loan object three. The premise of personal consumption loan application IV. The function verb of personal consumption loan (abbreviation of verb) The development status of personal consumption loan The second part is the classification, characteristics and application conditions of personal consumption loan. I. Personal housing loan. Personal comprehensive consumption loan (1) personal housing decoration loan (2) personal durable consumer goods loan (3) personal automobile consumption loan (4) personal student loan (5) personal travel loan (6) personal (7) credit card consumption loan III. Prohibited use of personal consumption loans: The third part is the legal risk prevention of personal consumption loans. I. Types of personal consumption credit risk (1) Credit risk case analysis: (2) Borrower's solvency risk case analysis: (3) Fraud risk case analysis: (4) Collateral (warrant) risk case analysis: (5) Legal risk case analysis: (6) Interest rate risk case analysis: (7) Liquidity risk, etc. Case analysis: Second, the reasons for personal consumption credit risk (1) The relevant certificates issued in the loan application are untrue. Case analysis: (2) Lack of perfect personal credit information system. (3) The laws related to consumer loans are not perfect. Three. Measures to prevent the legal risks of personal consumption loans (1) gradually establish and improve the personal credit information system and related systems of the whole society; (2) Establish a scientific personal credit evaluation system; (3) Establish an internal consumer credit risk management system. (four) to further improve the consumer loan guarantee system; (5) Realizing the securitization of consumer loans and dispersing the risk of consumer credit. Three. Supervision contents and latest trends of banking regulators 1. Interpretation of (2013) No.261issued by the general office of China Banking Regulatory Commission 2. Case analysis of the latest supervision trends and requirements of personal consumption loans on 20 17: Note: the above contents are regular course contents. In case analysis, it is necessary to draw inferences from others, integrate knowledge, and add relevant legal knowledge and lawyer's case handling practice. The content can be adjusted according to needs, time and site conditions. Teacher Zhang, a senior financial lawyer, bank legal adviser, senior researcher of Peking University think tank, legal expert of agricultural think tank, director of China Lecturer Association and director of China Wealth Heritage Managers Association, has been engaged in financial legal business for a long time, handled a large number of litigation and non-litigation cases, and has rich judicial practice experience. Long-term commitment to the research and training on prevention and control of various legal risks in banks, providing banks with all-round training courses on prevention and control of legal risks, helping banks identify legal risks, prevent them as early as possible and put an end to losses. There are hundreds of lectures and tens of thousands of trainings every year, which have won wide recognition and praise. [Lecture Course] Questions and answers related to risk warning in personal consumption loans, legal risks in bank credit business, protection of consumers' rights and interests in bank finance, bank compliance management and prevention and collection of non-performing assets, prevention and control of bank cases and legal risks, influence and application of civil code on bank credit business, influence and application of 030 10 on bank business, etc.