What is the micron priority?

Micro-loan is an online loan platform. Whether the platform is reliable can be judged according to the number of users and user evaluation. Beware of some illegal and non-compliant loan platforms in online platform loans. The other party's behavior violates financial and legal common sense. Pay attention to the identification and risk prevention of Article 266 of the Criminal Law. Please pay attention to identify and prevent the risks of conventional loans. The illegal and criminal acts of "routine loan" involve fraud, extortion and other crimes. The manifestations of this illegal crime are:

1. Solicit business in the name of "small loan company" and "guarantee company", sign loan contracts with you, create the illusion of private lending, and defraud you to sign "inflated loan contracts", "yin-yang contracts" and real estate mortgage contracts under various names such as "liquidated damages" and "deposit", which is obviously unfavorable to you. In the name of peer-to-peer lending, applicants are required to pay the so-called capital verification fee, insurance premium and deposit in advance.

Second, forge the bank flow and deliberately create the illusion that you have obtained all the money borrowed from the contract.

Third, arbitrarily identify your breach of contract and ask you to repay the "inflated loan" immediately.

The fourth is to maliciously increase the loan amount. When you are unable to pay, the other party introduces other fake "small loan companies" or individuals, or "plays" other companies to sign new "fake loan contracts" with you to "balance the accounts" and further increase the loan amount. Five, extortion "debt", lied about his lawsuit, etc. To achieve the purpose of sending money.

6. Fraudulent use of P2P online lending platforms, microfinance companies, financial services companies, banks and other entities and institutions to implement a series of fraudulent acts of issuing loans under the guise.

Loan risk classification refers to the process that commercial banks classify loans into different grades according to the degree of risk. Its essence is to judge that the following objectives should be achieved through loan classification:

(1) Revealing the actual value and risk degree of loans, and truly, comprehensively and dynamically reflecting the quality of loans.

(two) timely find the problems existing in the process of credit management, strengthen loan management.

(three) to provide a basis for judging whether the loan loss reserve is sufficient. Possibility for the debtor to repay the loan principal and interest in full and on time.

Operating environment: Harmony System 2.0.0

Micron APP3.2.0