Which online loan of Weihai Lanhai Bank?

Which loan platform is CITIC baixin bank?

Baixin bank is an Internet bank jointly sponsored by CITIC Bank and Baidu. With the approval of China Banking Regulatory Commission, baixin bank officially opened on 20171018. If the lender shows CITIC baixin bank, the loan platform is baixin bank.

Baixin bank Co., Ltd. is the first direct selling bank in China, initiated by deep cooperation between Internet companies and traditional banks. Established by Baidu and China CITIC Bank on 2015110.08. The main difference between baixin bank Co., Ltd. and existing banks is that it has no offline outlets and provides financial products and banking services through the Internet, which is not limited by time and region. 20 17 1.5. CITIC Bank and Baidu Company received the approval from CBRC and agreed to establish CITIC baixin bank Co., Ltd. in Beijing. 2017165438+10/8, baixin bank officially opened in Beijing.

Baixin bank Co., Ltd. is the first independent legal person direct selling bank in China, and the "direct selling bank" has appeared in China since 20 13. 20 13 Since September, Minsheng Bank and Bank of Beijing have successively launched direct banking business, and more than 20 banks across the country have launched direct banking business. Different from existing banks, direct banks mainly provide financial products and banking services through the Internet without offline outlets, which is a strategy adopted by traditional banks to meet the financial challenges of the Internet. Baixin bank, an independent legal person direct selling bank, can make the direct selling bank's business progress faster. It turns out that within the traditional banking system, there is a conflict between the business of direct selling banks and the traditional banking business, and there are certain obstacles in the business promotion, while the establishment of direct selling banks alone can have institutional and institutional advantages.

Baixin bank Co., Ltd. is the first direct selling bank in China initiated by Internet companies in-depth cooperation with traditional banks, which indicates that Baidu has a milestone in this vertical service field with the largest capacity and the most growth potential. The establishment of baixin bank is also of symbolic significance in the development of China's banking industry, creating a brand-new model of "internet plus Finance".

Which loan platform is baixin bank?

Baixin bank is not a loan platform. Baixin bank's full name is "CITIC baixin bank Co., Ltd.". It is the first direct selling bank approved as an independent legal person, and an internet bank jointly established by CITIC Bank and Baidu Company. Approved by the China Banking Regulatory Commission, it officially opened on 20171018. If the lender of the loan shows CITIC baixin bank, then the borrowing platform of the loan is baixin bank. Baixin bank's consumer credit product is Haohuihua, with a maximum credit line of 200,000, which can be borrowed or repaid. A loan platform generally refers to a certain loan product, while baixin bank can not only issue loans, but also absorb deposits and handle other financial businesses, which can be said to be essentially different from a loan platform. Of course, there are also loan platforms to cooperate with baixin bank. After the user applies for a loan, the loan record of baixin bank will be displayed in the credit report. When users apply for loans from baixin bank or baixin bank, credit information will be collected at the meeting. Baixin bank's market positioning is "financing for the people and financing for the public". Relying on CITIC Bank's strong product R&D and innovation capabilities, customer management and risk management and control system, as well as Baidu's Internet technology and user traffic resources, it will meet customers' personalized financial needs and build a differentiated direct selling bank with unique market competitiveness. It has launched three core businesses: consumer finance, microfinance and wealth management. On May 22, 2020, China Banking Regulatory Commission announced in official website that CITIC baixin bank Co., Ltd.' s application for capital increase and share expansion and shareholder qualification was approved. After this capital increase, the registered capital of baixin bank will increase to 5.634 billion yuan. On August 15, 2020, baixin bank launched the first digital bank card in China-Baidu Flash Payment Card, which was jointly launched by Baidu, baixin bank and China UnionPay. On June 10 and June 13, 2020, baixin bank released a brand-new credit service brand, Hua Hui, and together with Mahua FunAge, staged the first live comedy product launch conference in the financial circle in Aauto Quicker and Weibo. On April 8th, 20021year, baixin bank released a brand-new smart car finance brand, and launched two products: "Hundred Car Loans" and "Hundred Business Loans".

Which online loan app is CITIC baixin bank, and how to close the quota?

Online lending in baixin bank can be closed by calling customer service.

According to official website who consulted CITIC Bank, CITIC baixin bank is a bank jointly launched by CITIC Bank and Baidu. The online loan product in baixin bank is called "100% loan", and the product will not be released until it is checked by credit information. You can call the platform customer service hotline to close the unused crescent credit line, or you can log in to the APP system to actively close the credit line.

Baixin bank (full name CITIC baixin bank Co., Ltd.) is the first direct selling bank approved as an independent legal person, which was jointly established by CITIC Bank and Baidu Company.

Which online loan is CITIC baixin bank?

Baixin bank is an Internet bank jointly sponsored by CITIC Bank and Baidu. Approved by the China Banking Regulatory Commission, it officially opened on 20171018. If the lender shows CITIC baixin bank, then the loan platform for this loan is baixin bank. Baixin bank's consumer credit product is Haohuihua, with a maximum credit line of 200,000, which can be borrowed or repaid.

Baixin bank (full name "CITIC baixin bank Co., Ltd.") is the first direct selling bank approved as an independent legal person, which was jointly established by CITIC Bank and Baidu Company.

Repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

interest rate

(1) interest rate

The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.

Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.

The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.

(2) benchmark interest rate

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

How to get the lowest bank loan interest rate

First, choose the bank with the lowest interest rate to apply for a loan.

Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.

Second, pay attention to personal credit reporting and maintain good credit reporting.

Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.