Is Ping An Pratt & Whitney related to Ping An Bank? What if the borrower threatens me?

Ping An Pratt & Whitney may be a familiar name for people with a loan history, and their publicity is overwhelming. When you need money to buy a house or a car, Ping An Pratt & Whitney claims to be able to provide long-term large loans. Ping An Pratt & Whitney and Ping An Bank actually have nothing to do with each other, and they are separated from each other. If you are urged to borrow money, what you need is to keep the evidence or negotiate with it. If it really doesn't work, you need to ask for help from your family.

1. All belong to Ping An subsidiary. Ping An Group, which was born in Shenzhen, has been expanding its insurance business. In 2020, it ranked No.21in Fortune Global 500. There are as many as 28 subsidiaries of Ping An Group, covering two major markets at home and abroad, and their business scope includes insurance, banking, investment, financial technology, enjoyment and strategic investment. It is a giant enterprise in many fields.

Ping An Bank under Ping An Group and Ping An Puhui are its subsidiaries. Although it can be traced back to the same system, there is no overlap in their respective businesses, because Ping An Group involves too many fields.

Ping An Bank, a national joint-stock bank publicly listed in Chinese mainland, is 58% owned by Ping An Group and its subsidiaries, taking the traditional banking route. Although the scale is different from that of the four major banks, the overall business scope is similar. Has become a rising star in the banking industry in China.

Different from ordinary subsidiaries, Ping An Pratt & Whitney is the sum of all companies involved in investment guarantee, investment consulting and small loans under Ping An Group, which is a relatively broad concept. Zhao Rongxuan, the head of Ping An Pratt & Whitney, worked in well-known overseas banks such as Citibank and HSBC for eight years, mainly responsible for consumer, insurance and personal business.

Joined Ping An Group in 2007, and began to lead the integration of Ping An Pratt & Whitney business clusters in 20 15 years, creating 7,000 employees, accumulating customers 1 1 10,000, and accumulating loans10 billion, covering more than 700 cities across the country. It can be seen that Ping An Pratt & Whitney and Ping An Bank are both subsidiaries of Ping An Group in terms of institutions, belonging to the same level, but separated from each other.

Second, the business scope does not cross. Although both of them are subsidiaries of Ping An Group with similar names, their business scope is actually far apart, and there is basically no overlapping area. Ping An Pratt & Whitney is not funded by Ping An Bank, and Ping An Bank does not provide business guarantee for Ping An Pratt & Whitney.

In fact, what puzzles users is that two people have the word "peace" at the same time, and it is easy to subconsciously think that they have business dealings, which is of course wrong. Ping An Bank takes the route of traditional banks. Generally speaking, they can also provide basic services involved in the four major banks, such as the application and opening of some cards, the withdrawal of credit and loans, and the adjustment of tariffs. , and other services.

With Ping An Insurance's huge user base and high-quality talent pool, Ping An Bank has put forward the strategic direction of transforming from a traditional bank to a new one, taking the route of "retail strategic transformation". Through business upgrading, it can provide users with better services and establish better ecological connections. This is a future-oriented bank.

On the other hand, Ping An Pratt & Whitney can be said to have taken a completely different path. Ping An Pratt & Whitney's customers are mainly small and micro entrepreneurs, self-employed individuals and ordinary wage earners. They put forward the standard of "1050", that is, the annual income of enterprises or self-employed households does not exceed 1000 million, and the number of employees does not exceed 50. In short, it is aimed at users with low and medium capital needs, which is essentially different from Ping An Bank's business scope without an upper limit.

If Ping An Bank is aimed at large users, then Ping An Pratt & Whitney is a small user, finding a customer base with more needs, a larger population base and small and frequent capital needs. In short, it is no different from other online loans or small loans. It is mainly the process that users apply, verify their qualifications, sign contracts, issue loans and collect principal and interest. Its funds also come from the financing of various companies, not from Ping An Group.

Different from ordinary loans, Ping An Pratt & Whitney has the greater advantage of belonging to Ping An Group. Ping An Insurance itself has penetrated all users in China, and its reputation is very good. People will naturally give birth to the impression that large companies are more reliable.

To sum up, Ping An Bank is a bank, and Ping An Pratt & Whitney handles loans. There is basically no business overlap between the two. Ping An Bank does not provide funds for Ping An Pratt & Whitney, and Ping An Pratt & Whitney does not need Ping An Bank as a guarantee. They are independent subsidiaries, and their main business and customer base are essentially different.

Third, Ping An Pratt & Whitney has a poor reputation and the phenomenon of urging loans is very serious. Ping An Group has a good reputation in the hearts of domestic people because of its wide insurance business scope and long time. Whether it is for personal life insurance, accident insurance, or enterprise annuity and enterprise annuity of the company, there are a considerable number of repeat customers. However, Ping An Pratt & Whitney has been criticized by many people.

Ping An Pratt & Whitney is aimed at people in urgent need of funds and belongs to the relationship between employers and lenders. It has been in an unequal relationship for a long time, and the intuitive contrast between large companies and small customers is even stronger. They not only shortened the repayment period from two years to six months, but also raised interest rates and default repayment guarantees. If Ping An Bank belongs to the service industry, then Ping An Pratt & Whitney is naturally superior, not only in the terms of the contract, but also in a very bad phenomenon of urging loans, which is the root cause of bad reputation.

Even if the bank loan is very formal, it faces the risk that the customer will not repay the loan, and Ping An Pratt & Whitney, as a small loan, has a higher risk factor. Whether it is small and micro business owners or self-employed, the purpose of their loans is for business turnover, but business dealings may not win. Once the capital chain is lengthened, they will face the danger of overdue; As an online loan, Ping An Pratt & Whitney still has a considerable number of applicants without fixed income, such as providing loans to college students or lending to different groups in disguise, which makes it more difficult to withdraw funds.

If you don't pay, pay it back. The most criticized point of Ping An Pratt & Whitney is to outsource the repayment business to a third-party company, thus circumventing the legal rules and regulations. But it also brings new problems. Most outsourcing companies are people who are doing nothing, and there is always a bad shadow. They don't talk about any rules and regulations, but they can come up with various repayment methods. Due to the large user base of Ping An Pratt & Whitney, there are naturally many victims.

Fourth, how to deal with the threat of urging loans? Overdue online loans are an unavoidable topic for many applicants. In the past two years, affected by the epidemic, everyone's income has generally declined, the demand for loans has increased, and the phenomenon of being urged to repay loans has become more serious. So, in the face of aggressive reminders, how should we respond?

In the face of reminders, first determine the identity of the other party. Generally speaking, employees of online lending companies, including Ping An Pratt & Whitney, will have scruples when urging repayment, and will not speak to users in a particularly harsh tone. After all, he is a practitioner and knows more about laws and regulations. Therefore, if you have a better attitude towards such people, there is still room for discussion, such as extending the repayment time or reducing the repayment amount until your own funds are replenished. These are reasonable requirements, and the other party will consider them.

If you are the kind of person with a bad tone, you will be overbearing when you open your mouth, and even you will hear all kinds of bad words. These people are basically outsourcing employees, so you must be mentally prepared to talk to them.

First of all, it is clear that extreme repayment and outsourcing repayment are also not protected by law, and the work these people are engaged in is often informal. You should turn on the recording in advance and record the whole process of repayment as evidence.

Secondly, listen carefully to his request. If you are overdue for a short time, but he doesn't ask you why you should return it immediately, then you can apply first and explain your difficulties. At the same time, you must give a full repayment period for the other party to consider. Dunning depends on the time of payment, so the shorter the period, the better. If it is really impossible to repay in full, then discuss with him, pay part of it first, and move the rest to the next period or some time before.

Finally, if the other person's attitude is extremely bad, you should reasonably refute it and explain that this is an act that is not recognized by law. Generally, the other party will restrain themselves and then put forward your repayment plan, and you will get good feedback with great probability.

If the other person goes his own way, tell him the facts of the recording and make him realize that he is on the edge of the law. If even this can't stop him, then he has to sort out the materials, prepare an appeal, or ask his family to help him return it.

Remember a principle, it is only natural to owe money to repay, and urging is only a means. What you have to do is to make up the repayment quickly, instead of just dragging your feet with each other. You'd better not borrow money online. Once you have done it, you must keep your promise, and you can't support it with loans, it will only get deeper and deeper.