What does borrowing behavior analysis mean, and what does poor borrowing habit mean?

Helping you borrow something, in fact, is taking interest from the middle.

Abstract:Based on the survey in Jinjiang, combined with various factors, this paper selects 4 sample villages to conduct household surveys, and conducts a series of analyses on the results of the questionnaire, and understands that private lending behavior is more prevalent in Jinjiang, and the interest rate is higher, and the people are divided into three categories by clustering, the first category is the general population. The second group is the disadvantaged group, and the third group is the more high-end group.

First, the basic situation of private lending.

Private lending, also known as "private credit" or "personal credit", refers to the credit provided by individual residents to the collective and each other, generally in the form of negotiable interest and direct transaction. In recent years, with the adjustment of the national interest rate policy and the difficulty of small credit loans for rural households, the private lending market has become more active, showing the characteristics of expanding the scale of lending and diversifying the use of loans, and the impact on the financial industry has deepened, which has attracted widespread attention and great attention from the society, especially those in the financial industry.

Taking the needs of farmers as the main analysis direction, we selected Jinjiang, where there are relatively many small and medium-sized enterprises, as the survey site, and visited Haizhen Fungus Village, Dongshan Village of Shenhu Town, Fangjiao Village of Chendai Town, and Houjian Village of Xiyuan Street to conduct household surveys in order to obtain representative information.

2. Borrowing demand.

1) Analyze the local people's understanding of borrowing.

Some people expressed their understanding of the interest rates of local deposits and loans, which shows that the circulation of local deposit and loan funds is still relatively common, and some people borrow more frequently and pay attention to interest rates. At the same time, we also found that more than half of the people are not familiar with it, which may not indicate that they have less borrowing behavior, but only that they know less about banks and do not use banks as financial services regularly.

2) Analyze whether private lending is prevalent in the survey location.

According to the Several Opinions of the Supreme People's Court on the Trial of Lending Cases, the interest rate of private lending shall not exceed four times the interest rate of bank loans in the same period (including the interest rate). We can even venture to estimate that this form of financing, private financing, is widespread, and most farmers may also have some exposure to usury, etc. From the above two points, we can conclude that in the four locations surveyed, private lending is widespread, and interest rates are high.

1. What is a user?

Behavioral analysis? User behavior can be summed up in 5w2h:

User behavior analysis is to analyze the user's behavior on the product and the data behind the behavior, and build user behavior models and user portraits to change product decisions, achieve refined operations, and guide business growth.

In the process of product operation, DM Hub collects, stores, tracks, analyzes, and applies user behavior data, etc., and can find the viral factors, group characteristics, and target users that achieve user self-growth, so as to deeply restore user usage scenarios, operation rules, access paths, and behavioral characteristics.

Do you confirm that the inquiry was made in the credit information system of the People's Bank of China? I don't remember any such tips.

If it really is, it means that you have overdue repayments, frequent large consumption, weak repayment ability, etc.

Private lending is an informal credit model of China's credit system, due to the lack of certain supervision, so there are certain risks in this way, how to scientifically and effectively reduce the risk of this kind of lending? We can do our homework from the following aspects: First, we must strictly review the market access mechanism, review the qualifications of some private lending institutions, and provide private banks with certain funds and can operate in accordance with the law for private financial institutions within a certain period of time; On the other hand, it is necessary to crack down on and ban those who seek usury in order to maintain good financial order.

Second, the interest rate of private lending should be more transparently managed, and we should fully consider the demand for lending to regulate this kind of private lending, and also need to incorporate our effective management methods, which can fluctuate up and down according to the qualification level requirements of lenders, and use some market competition to promote the development of lending standards. Third, to introduce lending into the real economy, the private sector has a lot of capital, ** need to go there.

However, we also need to enter the circular link of the real industry, so as to promote the sustainable development of the real economy. Rather than just wandering around as some free capital, it is better to use it legally and standardly. Fourth, the flow of funds for private lending needs to be strengthened all the more, and effective management must be implemented.

It is necessary to set up some special regulatory agencies to supervise their lending behavior, to monitor and manage funds, to establish perfect, sound, and scientific statistical monitoring indicators for imports, and to carry out necessary supervision and guidance on the flow and investment of funds in some private loans, so as to prevent some private housing loans from being everywhere.

The formation of credit risk is a gradual process from germination, accumulation to occurrence. In addition to agreeing on a general default clause and creating a guarantee to ensure that the creditor's rights are repaid on time, the lender can also stipulate a "cross-default clause" in the contract, in addition to ensuring that the creditor's rights are repaid on time by agreeing on a general default clause or creating a guarantee. The basic meaning of cross-default is:

If the debtor under this contract defaults under other loan contracts, it shall also be deemed to be in default of this contract. Generally speaking, creditors pursue the debtor's liability for breach of contract on the grounds that the parties have not fulfilled their obligations under this contract, but the cross-default clause breaks through this restriction and has the flavor of "strike first, strike later", that is, try to take relief measures before the borrower's debts under other loan contracts appear in a repayment crisis, so as to avoid putting themselves in a worse position than other creditors. Although this form of breach of contract is not clearly stipulated in the current Chinese law, it does not violate the relevant jurisprudence and legal spirit of the Contract Law, and the right to defend against uneasiness in the current Contract Law can be used as the legal basis for its application.

Therefore, a cross-default clause can be incorporated into the contract as an agreed clause to enable the lender to fully control the borrower's creditworthiness in a timely manner.

From ancient times to the present, there is such a saying, high risk and high return, every loan in the bank has a risk test, determined as low risk, medium risk, high risk, the higher the risk, the greater the return, so see if you are conservative or bold, choose a loan product according to your own tolerance!

Risk refers to the bad impact of information leakage, and this consequence is so serious that informal lending cannot be touched.

Extremely high profits, and the risk of information disclosure Spam ......

The bullish interest rate is nominal interest rate, but it should actually be the real interest rate

Just because you have bad behavior about credit.

This bank statement reflects a decrease in the deposit in your bank deposit account, right? That is, a payment business, which should be a summary of the bank's business that does not reflect completely, is estimated to be a "private credit business", that is, your account payment, the bank is through the same city bill exchange (a kind of inter-bank clearing method) to propose a credit business to pay the other party.

The lending behavior of a borrower with limited civil capacity is generally valid after being recognized by the statutory ** person.

Legal analysisThe conduct carried out by a person with limited capacity for civil conduct is inconsistent with his or her age, and is valid after being recognized by the statutory ** person, and if he does not recognize or refuses to recognize within the time limit, the lending act is invalid. The so-called retrospective recognition refers to the expression of the intention made by the person to make the effect of the act of not having the right to be recognized as oneself, and the confirmation that the act is only a complementary measure that is binding on oneself. However, the act of purely obtaining benefits or the contract that is appropriate to his age, intelligence, or mental health status does not need to be recognized by the statutory ** person and is found to be valid.

If the amount is not large, the validity of the sale may generally be recognized, and the validity of other acts is to be determined, and the guardian shall retroactively recognize the validity of the act. Persons with limited capacity refer to minors over the age of 10 or who are mentally ill persons who are unable to fully recognize their own behavior. If a minor over the age of 10 borrows money from others for the purchase of stationery, books, snacks, etc., it shall be found to be valid, without the consent or retrospective recognition of his or her legal person, and his or her legal person shall have the obligation to repay.

If the loan is in the thousands, tens of thousands, and so forth, and is obviously not suitable for their age or mental condition, the lending shall be found to be invalid. On the other hand, mentally ill persons with limited capacity for civil conduct should be seen to see whether their mental condition is compatible with their mental condition when they carry out private lending behaviors. When their mental state is normal, if they make a private loan with others, they shall be deemed to have the qualifications of the entity, and if there are no other illegal circumstances, the contract shall be found to be valid.

Legal basisArticle 145 of the Civil Code of the People's Republic of China: Civil juristic acts carried out by persons with limited capacity for civil conduct that are purely beneficial or that are appropriate to their age, intelligence, or mental health are valid; Other civil juristic acts carried out are effective after being approved or recognized by the legally-prescribed person. The counterpart may urge the legally-prescribed person to make a retrospective recognition within 30 days from the date of receipt of the notice. If the statutory ** person does not make an expression, it shall be deemed to be a refusal to recognize.

Before a civil juristic act is recognized, the bona fide counterpart has the right to revoke it. The revocation shall be made by way of notification.

First of all, it depends on how much money to borrow, if it is to borrow a few dollars, dozens of dollars, this kind of behavior that is appropriate for his age, I think it is effective.

Secondly, if the amount is large, the borrowing behavior needs to be recognized by the parents, and if the parents do not recognize or refuse to recognize within the time limit, the borrowing behavior is invalid.

Thirdly, after the loan is invalid, it does not mean that the money cannot be recovered, otherwise the law is a bad law, and it is difficult to ensure the normal operation of rights and obligations in a fair and just manner. After the borrower gets the money, because the loan is invalid, the borrower is a slippery unjust enrichment, and the creditor can demand the return of the unjust enrichment.

From the perspective of the market, the main channels for shareholders to use their own advantages to speculate on stock prices are the release of good news such as mergers and acquisitions, high transfers, financial subsidies, and major contracts, and it is not uncommon for them to use concepts such as preferential policies to speculate. Especially before and after the lifting of the ban, the good news released by some companies has become a tool to cover the flight of large and small non-large and small non-profits.

If we carefully analyze this good news, most of it is really good news that "it happens", not fake news that "makes something out of nothing". At this time, the timing of news disclosure has become the focus of shareholders' "discretion".

Feel the joy of asset accumulation and experience the satisfaction of forethought. Ranger**, the virtual of wisdom and strategy**, so that your wisdom is no longer lonely.

A: I borrowed a sum from him and said it was for business, and the result was to repay the high lidai, which should be a fraud.