Go back. Is the loan platform real?

Yes, it's a regular platform, so it's true.

One: Returns are mainly used for credit card installment, commodity bill installment, living bill installment and lease installment. Not bad. I can handle these installments. When handling these stages, many cash technologies are also used to ensure the information security of borrowers.

Second, online application is also adopted, which can quickly complete the examination and loan. Generally speaking, the whole process will not exceed 24 hours. So, you don't have to worry about delaying your repayment on time. In addition, the collection method is more formal, mainly by phone and SMS. Also, it will not use harassment, threats, intimidation and other exposure means to collect money like many informal online loans.

One: Loan (electronic IOU credit loan [5]) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

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 within a 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, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan can not go wrong.