Do you believe in lightning loans? 202 1

Lightning loan is an online loan platform. Because China's review of online loans is very strict, the establishment of a company requires high qualifications. Therefore, lightning loan is used for credit reporting. Everyone must repay the loan in time to ensure the health of their credit reporting.

First, the interest on lightning loans is very high.

Although lightning loan can indeed provide many users with faster loan speed and does not require higher qualifications, the interest rate of lightning loan is very high. Therefore, when you choose a loan, you must measure your economic level. If you can't repay in time, it is likely to lead to a very bad situation. Many platforms will carry out violent collection and affect your life.

Second, it is best to borrow money from the bank.

Although the bank has higher loan requirements, the interest rate is low and the repayment period is particularly long, so it will not carry out violent collection. Therefore, if you need a loan, you'd better go to the local bank to handle it, so as to ensure that your life can be maintained.

Extended data

Credit information classification

1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.

Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation. In the United States, credit reporting agencies have three main business models:

(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;

(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.

2, according to the service object can be divided into credit, business credit, employment credit and other credit.

The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer; In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.