Joke Collection Website - Public benefit messages - Is inclusive finance real?

Is inclusive finance real?

If you keep receiving text messages from inclusive finance, it is likely to be fraud or routine loan information. Users need to be careful. Normally, inclusive finance is a form, and lending companies are usually named after "such and such inclusive finance", such as Ping An Inclusive Finance, Zijin Inclusive Finance, etc. In addition, just because the name of an inclusive financial platform does not necessarily mean it is formal and trustworthy, users still need to know clearly in advance when applying, whether it is a licensed institution, what the interest rate is, what the reputation is, etc.

1 If Inclusive Finance sends you a message, you can ignore it and just delete the message. You can also start blocking bad text messages, etc. If I keep sending you messages, it is mainly for loan marketing to users. Similar messages are sent in groups, which is a way of advertising for the platform.

2 Puhui online loan platform is owned by Zijinkedai.

A money station loan company under this company will entrust a third party to collect payments.

This company belongs to the Zijin Investment Group. Zijin Kedai is the parent company of Zijin Puhui. They have a superior-subordinate relationship. Zijin Kedai mainly finances a business, while Zijin Puhui specializes in small loans, similar to Ping An Yidai and CreditEase Puhui. The reason is that the loans matched on the Jiufu Puhui online loan platform were not repaid within the repayment date, resulting in overdue payments;

Overdue payments will accrue interest and affect credit reporting, and in serious cases, you will be prosecuted by the court and imprisoned. .

The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.

3 Ping An Puhui is a relatively formal financial company. After the deadline, they usually resort to various harassment calls, calling you, calling your friends, calling your family and colleagues, and calling you on all mobile phones. People in your address book put pressure on you to repay. If the phone calls don't work, they may make door-to-door visits, but there will be no violent collection. Finally, it will be resolved through legal means. Therefore, if you have money, you should repay it as soon as possible. After all, Ping An Puhui’s small loan interest rates are not low.

In addition, from this month to the end of this year, Ping An Puhui’s unsecured products will be exempted from three-point handling fees. Mortgage loans and home e-loans will not be exempted. All loan products of Ping An Puhui will be returned 1.5 of the loan amount, reducing the borrower’s cost of using funds.

Bank transfers arrive all the time. The amount depends on the amount between banks. It takes 1 hour for more than 50,000 and 6 hours for less than 50,000. If you use the Agricultural Bank of China for inter-bank remittance, the funds will be deducted from the Agricultural Bank of China card in real time. As for the arrival time, it depends on the processing speed of the receiving bank. Generally, the payment will arrive within 1-2 working days. The Agricultural Bank of China transfer is very fast and can arrive within half an hour! If it is an inter-bank transfer, the time will be longer. Longer, no more than 24 hours at the latest