Goose spends 2 years overdue.

Goose is almost a year overdue, and the collection has also blown up the address book. She didn't dare to answer the phone, and she didn't call much after receiving the money. There is no way out for the bank to send a lawyer's letter home. She introduced an organization through a friend to help negotiate with the bank for installment repayment. Goose spends money overdue, so it is recommended to repay it as soon as possible, because Goose spends money to buy credit information.

1. Goose spending money is a consumer credit product. Weizhong Bank and licensed consumer financial institutions jointly provide financial services. Weizhong Bank initiated by Tencent provides personal bank account services. Financial institutions approved and licensed by the national financial management department provide loan services, which can be used online and offline after being bound to WeChat payment.

2. When goose is consumed, Weizhong Bank provides personal bank account service, and licensed consumer financial institutions provide loan service, which is safe and reliable, and the product interest rate is transparent. Goose spends money to run the whole line. According to the user's credit situation, the maximum amount is 50,000 yuan, which supports consumption, transfer, red envelope and cash withdrawal. 50% of the amount can be directly withdrawn to the bound bank card, and all the amounts can be bound to WeChat payment.

First, the role of loans.

Loans refer to the monetary funds provided by state commercial banks and other financial institutions to borrowers to repay the principal and interest at the agreed interest rate and time limit. Loans can be divided into short-term, medium-term and long-term loans, credit and secured loans according to whether there is guarantee or not, rural industrial and commercial loans and consumer loans according to loan objects and purposes, and personal housing commercial loans, personal housing provident fund loans and personal housing portfolio loans according to individual loan types.

In accounting treatment, the loan of an enterprise can be accounted for by "short-term loan" or "long-term loan" according to the length of the loan period, and then the loan interest can be accounted for by "interest payable".

Second, the principle of loan

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income is good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan will not go wrong.