What is Zhong an Small Loan and what is the platform of Zhong an Small Loan

Zhongan Micro Loan is a formal lending platform, and the interest rate is naturally not very high. Zhongan Micro Loan's current minimum daily interest rate is to determine the specific interest rate according to the customer's comprehensive credit performance, but the interest rate is not fixed, and the system will re-examine the customer's qualifications from time to time, and then adjust the interest rate.

If you have capital turnover needs, it is recommended that you use money to spend, and money to spend is Du Xiaoman Finance.

Its credit service brand (formerly known as: Money to Spend

In June 2018, it was renamed "Money to Spend"), the big brand is reliable, and the interest rate is low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: Your second-generation ID card needs to be provided during the application process.

My own debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and a temporary ID card cannot be used.

Expired ID card and first-generation ID card. Online loans are risky, so you need to be cautious in your choice!

Zhongan Microfinance is a "financial technology enterprise with the characteristics of Internet insurance technology and operator resources", and is committed to providing inclusive financial services for individual users and small and micro customers.

Zhongan Microfinance is a formal lending platform. ZhongAn Microfinance is a subsidiary of ZhongAn Insurance Company and is a licensed financial institution. In 2019, Tianyi E-commerce, a subsidiary of China Telecom, became the major shareholder of Zhong'an Microloan.

From such a corporate background, it can be seen that Zhongan Microfinance is a formal loan platform.

Further information: 1. We know that it is difficult to apply for a small loan from a bank. We always need to provide collateral or have good qualifications. No matter how poor we are, we need to provide a guarantee to apply.

Moreover, the procedures are complicated and the loan speed is slow. This is not a good option for some applicants with less qualifications. At this time, it can be considered that the local microfinance company applies for a loan, and the requirements for the microfinance company are not too strict.

As long as you have proof of repayment ability and a good credit history, you can apply for a loan, and the loan is relatively fast.

2. When applying for a small loan, you should pay attention to the following matters and do not pay any fees before taking out the loan. Formal lenders do not ask borrowers to pay fees when they take out loans. Nine out of 10 such lenders are "**" if lenders require their customers to pay fees before they take out a loan.

When borrowers encounter such MFIs, they must be cautious to avoid being scammed.

3. Lenders who do not require any scrutiny should be cautious. In order to control risks, lending institutions need to review the borrower's qualifications, usually requiring basic information such as ID card and mobile phone number. If the lender claims that it can lend money without review, the borrower should be cautious in this case.

This is primarily an informal platform. Check the lending institution's business license and legal license. Many consumers do not pay attention to check the legitimacy of lending institutions when applying, causing immeasurable losses in the future.

4. Therefore, when choosing a lending institution, it is necessary to pay attention to whether the lending institution has a business license, so as not to encounter illegal institutions that are not supervised by relevant departments. The legal license of the institution can be found on the official website of the local administrative department for industry and commerce, or directly at the offline outlets of the lending institution. Institutions with high loan interest rates should not be chosen.

Borrowers should pay attention to carefully calculating the loan interest rate when selecting and reviewing loan products to avoid falling into the consumption trap of unscrupulous institutions. According to national law, a loan shark product is a product in which the interest rate agreed between the borrower and the borrower exceeds 36% of the annual interest rate. Therefore, it is necessary to strictly check the relevant terms before borrowing to protect their own interests.

Zhongan Microfinance is a formal loan platform. Reliable.

In 2019, China Telecom's Tianyi E-commerce **** became the major shareholder of Zhong'an Small Loan, from such a company background, you can know that Zhong'an Small Loan is a formal loan platform.

How to apply for Zhongan Small Loan?

You can log in to the app store **Zhong'an Small Loan app, you can log in and register, Zhong'an Small Loan can borrow up to 200,000 yuan, and newcomers can apply for interest-free borrowing for 30 days, the daily interest is as low as 5 seconds, and the loan can be received in 5 seconds, with a term of up to 12 periods, and the borrowing threshold is also very low, and you can apply with your ID card.

As long as you are over 18 years old and have full capacity for civil conduct; Good credit information; No overdue; Have a stable job and income, and have the ability to repay the loan; The application for a mobile phone number has been verified by real name, and you agree to authorize the credit inquiry to apply for Zhong'an Micro Loan if you meet these points.

When you need funds, it is recommended to choose a formal platform, and there is also rational consumption and repayment on time. Zhongan Microfinance is a financial technology enterprise with "Internet insurance technology characteristics and operator resource characteristics"[1], and is committed to providing inclusive funds for individual users and small and micro customers.

Company events. In June 2019, Tianyi E-commerce, a subsidiary of China Telecom, invested 100 million yuan in Zhong'an Small Loan. Zhongan Microfinance is backed by the advantages of China Telecom's massive high-quality user scenarios, and at the same time, relying on the technology and risk control capabilities of Zhongan Technology, a wholly-owned subsidiary of Zhongan Insurance, to complement each other with the all-round advantages of "communication + insurance + scenarios", to provide more individual users and small and micro customers with safe and convenient inclusive financial services. [2]

Company History. In June 2019, with the approval of the Chongqing Finance Office, China Telecom Tianyi E-commerce **** officially invested in Zhong'an Micro Loan, and was tied with Zhong'an Technology as the largest shareholder. e-commerce is the core carrier of China Telecom's Internet financial ecosystem, with important business brands such as e-payment; ZhongAn Technology is a wholly-owned subsidiary of Zhongan Insurance, and Zhongan Insurance, as the first Internet insurance company in China, is a financial enterprise with industry-leading technology capabilities. With the blessing of these two shareholders, Zhong'an Micro-Loan has been a "fintech enterprise with the characteristics of Internet insurance technology and operator resources" since its birth, and through more than half a year of practice, Zhong'an Micro-Loan has also explored a development path of "communication + insurance + scenario". [1]

1. Background: The product is made up of Chongqing Zhong'an Small Loan, the parent company is Zhong'an Insurance, and the company has an Internet small loan license.

2. Application conditions: Users need to be Chinese mainland residents aged 22-55, with good personal qualifications and credit, and no obvious shortcomings.

3. Application: Users can operate directly through the app or through the third-party channels of official cooperation. Users need to register and log in with their mobile phone number, then perform face recognition and ID card authentication, bind their bank cards, and submit information for review.

4. Credit line: The credit line of the product is between 30 million and 200,000 yuan, which is subject to the actual approval results. If the user has a good comprehensive assessment and good credit, then there is a chance to get a large amount.

5. Loan term: The term of the product ranges from 6 to 12 months, and you can choose according to your needs.

6. Loan speed: The loan can be successfully disbursed in 5 minutes at the earliest, depending on the speed of the funder, the number of people waiting in line, etc.

If you need cash flow, it is recommended"There is money to spend"It is also known as money to spend, and it is a credit service brand under Du Xiaoman Finance (formerly Finance).The daily interest rate is as low as, and the maximum amount is 200,000. The loan can be disbursed to the account in 3 minutes at the earliest.

It's okay, it's pretty reliable. It is understood that Zhong'an Small Loan has the lowest daily interest rate, which is relatively conscientious compared to some online loan products.

Zhong'an Small Loan is a company under Zhongan Insurance, Zhongan Insurance is the first Internet insurance company in China, and the other major shareholder of Zhong'an Small Loan is Tianyi Shenzi Business ****, which is a subsidiary of China Telecom.

1. Advantages of online loans.

1.High compound annual returns.

The annual interest rate of deposits in ordinary banks is only 3%, and the annual interest rate of wealth management products and trust investments is generally below 10%, which cannot be compared with the annual interest rate of more than 20% for online loan products.

If there is a need for funds, it is recommended that the credit service products of Xiaoman Finance have money to spend, and provide users with safe, convenient, unsecured and unsecured credit servicesBorrow money on the Xiaoman financial app (click on the official free test limit). The daily interest rate of the consumer loan is as low as the annual interest rate, and the maximum amount can be borrowed as 200,000The approval speed of money is relatively fast, the fastest is 30 seconds to complete the approval, under normal circumstances, the review time is 2-3 working days.

2.It's easy to use.

All the authentication, bookkeeping, clearing and delivery processes of online loans are completed through the Internet, and the borrower and the borrower can achieve the purpose of borrowing without leaving home, and the general amount is not high and there is no collateral. It is very convenient for both borrowers and borrowers.

3.Think outside the box.

Online lending has promoted the interaction between industry and finance, and has also changed the vision of observation, thinking, credit culture and development strategy of loan companies, breaking the original lending situation.

2. Disadvantages of online loans.

1.Unsecured, high interest rate, high risk.

Compared with traditional loan methods, online loans are completely unsecured loans. Moreover, the central bank has repeatedly made it clear that the compound annual interest rate exceeding the bank interest rate by four times is not protected by law. It also increases the high risk of online loans (generally 7 times or even higher than the bank interest rate).

2.Credit Risk.

The inherent capital of online lending platforms is small, and they cannot afford large amounts of guarantees, and it is difficult to solve the problem of large loans once they occur. Moreover, some borrowers also take out loans for the purpose of fraud, and some of the purposes of the creators of the loan platform are not pure, and there are frequent cases of fleeing with money.

3.Lack of effective regulatory tools.

Since online lending is a new type of financing, the central bank and the CBRC do not yet have clear laws and regulations to guide online lending. For online lending, the regulator mainly has a neutral attitude, and does not violate the rules and does not approve it. However, with the prevalence of online lending, it is believed that the relevant measures will be formulated and implemented in a timely manner.

Unreliable, indiscriminately charged premiums, and finally said that it was checked by yourself, don't borrow, regret it and regret it.

Unreliable, ** company, defrauding customers of high interest.

When you are facing financial difficulties, you must choose a formal way to take out a loan, because loans are generally risky, if you take a loan on some relatively small unknown platforms, there may be great insecurity factors and routines, and we may not be able to find out, so if you need money urgently, try to choose a bank loan, to avoid falling into some traps and not knowing yourself.

Therefore, we need to face up to the problem of money, don't easily believe in some lending platforms, as ordinary people need to have certain legal knowledge, you can browse some public security departments before taking out a loan, especially some legal knowledge of the public security department about loans, I hope these can help you.

Interest rates above 20 are not reliable.

Ask whether Zhong'an small goods are reliable.

If you don't, it's reliable.

Unreliable, the application materials are troublesome, there are many routines, the quota is ultra-low, and there are many advertisements. The most disgusting thing is that even if you cancel your account, you will receive all kinds of online loan ** and text messages every day in the future, and you will not be at peace.

It is unreliable, when we want to borrow money, we must go to a regular platform to borrow, and small software like this is likely to have problems.

Answer: Zhong'an Small Loan is a small loan product under Chongqing Zhong'an Small Loan. The parent company of ZhongAn Microfinance is ZhongAn Insurance, a financial technology company listed in Hong Kong. Strong strength, no shortage of money.

The maximum amount of this product is 200,000, the region is very wide, and many cities can apply, but it is not so easy to get 200,000 yuan, there is no real estate, there is no credit record, the unit is a general unit, and there is no housing provident fund, and the amount approved is not high. Generally, tens of thousands of dollars are approved. And the interest rate is high, the lowest is 10,000 a day, and the highest interest is 8 a day.

Suppose the loan is 10,000 yuan, and the monthly interest rate is as low as 75 yuan and the maximum is 240 yuan. Slightly higher.

Unreliable. These small loan companies simply can't be trusted, so if we want to take out a loan, we have to go to a regular bank.

Unreliable, loans like this are generally unreliable, and the interest in them is very high, and there will be financial losses at any time.

), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Special note: Withdraw the full amount as soon as possible after the quota is issued, because the risk control is dynamic.

It is best to put forward all the suggestions in demand, and the risk control system will mistakenly think that you don't need the funds very much, resulting in a failed withdrawal. It is prudent to raise at least 60%. After the first installment, early settlement and repayment are supported.

If you have insufficient money to spend or no quota, it is recommended to try the following two platforms, which are also more formal licensed financial institutions! The audit is relatively less rigorous!

360 IOUs can borrow up to 200,000!

You can borrow up to 50,000 yuan in installments!