Which interest is lower between an IOU and a 360 IOU

The level of 360 interest varies from person to person.

IOUs. The interest is not fixed, it is determined by the system according to the comprehensive qualifications of the borrower, from various aspects of evaluation and review. Therefore, when everyone applies for a 360 IOU, the approved loan interest rate may be different, some may be higher and some may be lower.

2.According to the official information, 360 IOUs claim that "1,000 yuan is used for 12 months, and the daily fee is as low as 2 cents 7", so the daily interest rate of 360 IOUs should be up. According to the daily interest rate, if you borrow 1,000 yuan, the interest for a month is: 1,000 yuan.

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 Youqian Hua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are 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.

3.It can be seen that its interest is not very high. Moreover, the daily interest rate is converted into an adult interest rate, which is much lower than the 36% usury.

The standard is also less than 24%, which is a legal interest.

4.However, you should still note that the interest rate is different for different people to apply. And after all, it is only the lowest standard, so the specific interest rate is subject to the interest rate approved at the time of actual application.

2.The company was listed on the New York Stock Exchange in 2011.

Wait. On August 30, 360 released its 2021 semi-annual report, and the company's operating income in the first half of the year.

reached 100 million yuan, a year-on-year increase.

Among them, the security and other business income is mainly based on government and enterprise security business.

billion, a year-on-year increase of 322%.

It is committed to providing high-quality free security services to solve various security problems encountered by Chinese Internet users when surfing the Internet. In the face of diversified security threats such as Trojans, viruses, rogue software, phishing and fraudulent web pages in the Internet era, 360 solves network security problems with the idea of the Internet.

360 IOUs have low interest rates.

360 IOU is calculated on a daily basis, and the lowest daily interest is known, that is to say, if the user borrows 10,000 yuan on the 360 IOU and uses it for 10 days, then the interest is 10,000 yuan, and the borrowing daily interest is, calculated under the same conditions, it is 10,000 yuan.

Extended Information: 360 IOUs.

1. Introduction. IOU is a personal and small and micro credit platform under 360 DigiTech, which was launched in September 2016. It evaluates customer credit based on 360 big data, and provides instant consumer loans on this basis.

2. It objectively presents an individual's credit status through cloud computing, machine learning, 360 big data and other technologies. According to the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.

Relying on 360 Group's advanced Internet security technology and big data technology, and based on massive user credit data and behavior data, IOU is committed to improving the domestic personal credit system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all groups in society with financing needs.

2. Credit Granting Methods.

IOUs are based on 360 Credit, an independent third-party credit evaluation and management agency under 360, and objectively present an individual's credit status through cloud computing, machine learning, 360 big data and other technologies. According to the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.

The application quota of the IOU is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding amount is also dynamic.

360 IOU is calculated on a daily basis, and the lowest daily interest is currently known, that is to say, if the user borrows 10,000 yuan on the 360 IOU and uses it for 10 days, then the interest is 10,000 yuan, and the daily interest on borrowing is, under the same conditions, it is 10,000 yuan.

Of course, each user's qualifications are different, and the interest they get is different, and many netizens feedback that the interest borrowed on 360 is basically around, and it is rare to get the lowest, and the same is true for borrowing.

2. Comparison of other aspects.

In terms of convenience, borrowing is still relatively convenient, and it can be operated directly in Alipay; From the point of view of overdue penalty interest, 360 is like this: penalty interest = overdue principal 50% of the daily comprehensive interest rate for days, while borrowing is to charge interest on the overdue amount, and also charge a penalty for multiple borrowing interest rates.

Extended Material: Interest on Borrowings.

Every enterprise has to borrow money from the bank in the process of production and operation, and how to record the interest on the loan.

Under the requirements of the new accounting standards, short-term borrowings are used as an example to record the interest on loans.

For example, if an enterprise borrows from ICBC, the amount is 1 million, the time is three months, and the interest rate is 9%, how to deal with it. There are several aspects to the specific steps:

When a loan is obtained, it can be credited to the bank deposit account for the amount of 1 million, and at the same time, the credit to the short-term loan account is 1 million. When interest is accrued, interest can be accrued or not, and there are two aspects to the direct payment when due. First, if the interest is not accrued, it can be included in the debit of the short-term loan when it is paid directly after maturity, with an amount of 1 million, and the debit of the financial expense account with the amount of 10,000, and the credit of the bank deposit account with the amount of 10,000.

Second, if you want to accrue interest on a monthly basis, you can include the debit side of the financial expense account when the interest is withheld in the first month, the amount is 10,000, and the amount is 10,000, and the amount is 10,000 yuan, and the amount is 10,000 when the interest payable or the withholding expense account is debited, taking the first month as an example, several consecutive accounting entries are the same, when the loan interest is to be repaid at maturity, it can be included in the debit of the short-term loan account, the amount is 1 million, and the amount is 10,000, and the amount is 10,000. At the same time, the credit is credited to the bank deposit account, and the amount is 10,000.