Received SMS and ICBC loan.

Please be careful when it comes to financial issues, and don't reply and transfer money easily online. It is also possible that someone else used your mobile phone number.

Financial electronic loan refers to the unsecured RMB loan issued by China Industrial and Commercial Bank, and the borrower will meet certain conditions such as personal legality and consumption. For high-quality customers, ICBC will send promotional information to invite them to handle it. If you need to apply, you can log in to ICBC Mobile Banking and use the "Favorites-Financial Electronic Loan" function. Please refer to the system display when handling.

1. ICBC Ronge Lian (Industrial and Commercial Bank of China) logs in with SMS verification code to remind you to change your mobile phone equipment. When logging in, you will send SMS verification code to the original mobile phone number, or log in without changing the mobile phone equipment and worrying about risks. It is recommended that you modify the relevant login password as soon as possible. If the login password of the financial electronic link is frozen or forgotten, you can reset it on the login page of the financial electronic link by "Encountering a problem-forgetting the password and trying to get it back". Verify whether there are differences in mobile phone numbers through different customers. Please refer to the actual operation. After reset, the new password will take effect in multiple channels at the same time.

Tips: The verification code is your important information. You must keep healthy. Don't tell others silently. Please do not click on the "unknown" link to prevent the verification code from being automatically forwarded.

Second, ICBC will send this message when resetting the login password of e-banking channel. If you receive a short message without operation, it may be caused by someone else entering this number during the relevant operation. Customers can take the following measures to prevent risks without disclosing the verification code:

1. Change the card withdrawal password to prevent others from operating the account;

2. Report the loss to prevent the funds from being stolen.

Third, loan repayment "equal principal and interest, equal principal and interest, repayment by loan" is a common repayment method in loans. But what kind of repayment method is good? Next, let's analyze the advantages and disadvantages of the current repayment methods.

1, equal principal and interest.

Determine the monthly repayment amount, calculate the interest payable in the current month, and then subtract the interest payable in the current month from the determined repayment amount, which is the repayment amount of the principal, and calculate the interest for the next month according to the remaining principal. This loan can be repaid in advance.

1. Scope of application: used in industries and borrowers, with continuous cash inflow and basically the same cash. Mainly used to supplement liquidity and increase inventory. Such as commodity recycling industry, service industry, processing and manufacturing industry, etc.

2. Advantages:

(1) Repay the loan every month, the loan balance decreases and the loan risk decreases;

(2) For the borrower, the monthly repayment pressure is less, and it is easy to repay, which can avoid the huge pressure of one-time repayment.

3. Disadvantages:

(1) For borrowers, there are few available funds and the utilization rate of funds is not high.

2. Equivalent principal

Average capital refers to dividing the loan principal by the number of repayment months, returning the fixed principal every month, and paying interest on the remaining principal. The loan interest decreases with the decrease of loan principal, and the total repayment amount decreases with the decrease of interest. This loan can be repaid in advance.

1. Scope of application: applicable to industries and borrowers with continuous cash inflows. The cash inflow in the early stage was large, and then decreased. For example, when operating a car loan, when a new car is put into operation, the maintenance cost is low and the income is high, and then the cost increases, and the income will decrease with the operation of the car, which is in line with the repayment method in average capital. This method is also suitable for commodity recycling industry, service industry and processing manufacturing industry.

2. Advantages:

(1) Repay the loan every month, the loan balance decreases and the loan risk decreases;

(2) For the borrower, the monthly repayment pressure is less, and it is easy to repay, which can avoid the huge pressure of one-time repayment.

3. Disadvantages:

(1) If the borrower is a quality customer, the loan will be reduced and the interest will be reduced, which will reduce the income of the lending institution;

(2) For borrowers, the available funds are getting less and less, and the utilization rate of funds is not high.

3. Interest before capital

I am only interested in monthly repayment and repayment of principal when the loan is due.

1. Scope of application: it is suitable for short-term loans and borrowers who usually have no cash inflow or a small amount of cash flow, such as enterprise management, engineering, planting and aquaculture.

2. Advantages: For the borrower, there is no repayment pressure at ordinary times, and the funds can be completely used for commercial projects.

3. Disadvantages: For the borrower, in the later period, there is great pressure to repay the principal at the initial stage. If the capital chain is broken, it is impossible to repay as planned, and personal credit may be affected.

Step 4 borrow and return

In a certain period of time, lending institutions provide borrowers with the largest credit line. During this period, the borrower can get a loan at any time within the maximum credit line and repay it at any time.

1. Scope of application: applicable to borrowers with uncertain future cash flow.

2. Advantages: The borrower can borrow and repay at any time according to his own needs, which is convenient and flexible and simplifies the procedures.

3. Disadvantages: Because the loan risk assessment is usually not carried out during the credit period, when the borrower's situation changes, the lending institution will still lend without knowing it, which increases the loan risk. Therefore, this kind of loan needs a good loan inspection or simplified evaluation before each loan.

Each repayment method has its advantages and disadvantages. When choosing, you can arrange according to your actual funds. There is no best, and the right one is the best.