What is everyone's credit?

Which online lending platform is Renren Loan?

Renren Loan is a folk credit institution, not an online lending platform. The role of non-governmental credit reporting agencies is to comprehensively evaluate users and then give credit evaluation. Private lending and online lending will refer to the credit evaluation of users by such folk credit institutions. The online loan platform is used to apply for online loans, and the two are completely different.

Private credit has not been connected to the central bank for the time being, so it belongs to an independent credit institution, and the officially recognized credit evaluation is still the user's central bank credit.

First, what is everyone's credit? Why do you always send me messages?

In this case, it should be that the user is overdue on a certain platform and has not handled it. Therefore, platform collection or third-party collection companies make dunning in the name of everyone's credit, so as to make users feel pressure that overdue cases have been reported on credit.

In essence, neither the credit company nor the credit reporting agency will directly collect the arrears after the loan, but will only be responsible for recording. Therefore, it can be judged that the other party is false if it involves the credit information of hundreds of banks, central banks or other credit companies. Of course, if the arrears are true and still have to be paid, it does not mean that they can not be paid.

It is suggested that users should maintain a good repayment attitude regardless of which platform products they apply for, and don't deliberately not return them. Otherwise, even if there is no record in the credit report, big data will be displayed on it, which will also have a negative impact on the user's personal credit.

2. What are the loan products for Renren Loan?

1. Salary loan

Users aged 22-55 who have worked for 3 months can submit applications, which are suitable for office workers who have just graduated, because they will face problems such as renting a house, spending money and human feelings after joining the work, and it is inevitable that they will be nervous at hand. As long as the monthly income is more than 2000 yuan, you can apply for a salary loan, which is very easy to pay and has no restrictions on use. Can be used for decoration, marriage, buying a house, buying a car, education (further study, study abroad) and so on.

The amount of the next payment is about 3000 ~ 50000 yuan, and the annual interest rate depends on the user's qualification, which is basically above 10%. This will check the credit information, and loan users can hardly apply, but white households can provide sesame points.

2. Industrial and commercial loans

The first choice for self-employed, entrepreneurs and company bosses. The legal representative can submit an application when the enterprise operates for 1 year. Commercial loans are mainly used for liquidity, purchase of equipment or raw materials, marketing expenses, etc. , the maximum amount is 500,000.

3. Online commercial loans

It is slightly different from the online merchant loan of the online merchant bank. Renren. com has a low loan threshold for online merchants and is suitable for shopkeepers who operate Taobao. They can apply six months after opening the store. The store level reached 2 diamonds, the favorable rate reached 95%, and the dynamic score reached 4.5. The proportion of unvalued products and virtual products shall not exceed 40%. There is no record of Taobao punishment. In the past three months, the total transaction amount has reached 30,000 and the number of transactions has exceeded 50.

Judging from the application conditions, the threshold for online business loans is still relatively strict. It is not easy to simply apply for opening a store, and it needs to be approved by QQ video, so the next payment is not so easy.

Third, is it easy for people to borrow money?

Renren loan has a good reputation among many borrowers. Many users say that the next payment is quite easy. As long as personal credit is good, white households can authorize sesame seeds, which can improve the success rate of applying for loans.

Online loan users should not apply, and it is said that they will be rejected immediately. Although it is easy for everyone to borrow money, the borrowing cost is higher than that of banks, because everyone not only needs to pay interest, but also pays the loan service fee and management fee according to the loan term. To sum up, the cost is relatively high, so we can comprehensively consider borrowing again.

Which platform is Renren Credit?

Renren Credit is a mobile financial loan platform launched by Renren Credit Management Co., Ltd. As long as the user is over 18 years old, the sesame score is above 550 points, and there are mobile phone numbers, bank cards and ID cards that have been used normally for more than 6 months in the real-name registration system, you can apply for Renren Credit Loan.

Renren Credit was originally named Renren Credit and Renren Credit, and was renamed Renren Credit on October 8, 20 16/kloc-0. Renren Credit Management Co., Ltd. was established on July 30, 20 15. Is an organization focusing on third-party credit evaluation and credit management, headquartered in Dongcheng District, Beijing.

The business scope of Renren Credit Management Co., Ltd.: enterprise credit information service; Enterprise management consulting; Product design; Technology development, technology transfer, technical consultation and technical services; Data processing; Basic software services and application software services; Economic and trade consultation; Business information consultation.

Renren Credit Management Co., Ltd. is jointly funded by Beijing Changsheng An Ying Investment Center (Limited Partnership) and Jinsheng Worry-Free Information Technology Co., Ltd. The main product of Renren Credit Management Co., Ltd. is to serve everyone's credit data.

Renren Credit Management Co., Ltd. is a subsidiary of Sunshine Insurance Group. Ethnic minorities such as Xinjiang, Heilongjiang, Henan, Tibet, Inner Mongolia, Ningxia, Qinghai, Guangxi and Fujian cannot apply for credit loans for everyone.

The above is the related content of the credit platform for everyone shared by Bian Xiao. More information can focus on the construction industry and share more dry goods.

Which bank is Renren Credit?

Renren Credit Management Co., Ltd. (hereinafter referred to as "Renren Credit") is an organization specializing in third-party credit evaluation and credit management. Founded on August 28th, 20 15, it is located in Yinhe SOHO, Dongcheng District, Beijing.

Renren Credit Management Co., Ltd. is a subsidiary of Sunshine Insurance Group (Sunshine Insurance, one of the seven insurance groups in China, was established in July 2005 with a registered capital of 67/kloc-0.05 million yuan), which was established in 20 15 years and is an independent third-party credit evaluation and credit management institution.

The company adheres to the concept of "encouraging trustworthiness and punishing dishonesty", adheres to the principle of "fairness, objectivity and service", and uses big data and cloud computing technologies to objectively present the credit status of enterprises and individuals.

Extended data

Renren Credit Data Service is the first flagship product for enterprise users launched by Renren Credit Management Co., Ltd.. It adheres to the concept of "punishment for dishonesty", and uses massive data, big data technology and different risk control means to control the risks of enterprises before, during and after lending.

Renren believes that based on all aspects of information, the credit status of enterprises and individuals can be objectively presented by using big data and cloud computing technologies. Credit generates value and opens credit life by connecting various financial and life services.

Baidu encyclopedia-renren credit management co., ltd.