Is Fanpu's credit formal?

The credit of the restaurant is formal. It is a customized micro-loan information service platform under Fanpujinke, which is committed to providing more customized information services for national personal loan users. Fanpu Credit Information relies on the online mature "finup Cloud Map" big data dynamic risk control system, combined with branches covering most provinces and cities in China.

The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.

(1) omitted the review. The bank's loan examiner failed, causing credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial organizations will cause a lot of capital losses and bad debts.

(2) No due diligence. In practice, loan examiners often only pay attention to the identification of documents, but lack due diligence, so it is difficult to identify fraud in loans and cause credit risks.

(3) misjudgment. Banks did not listen to experts' opinions on relevant contents, or made professional judgments by professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects.

The so-called credit means that you must have a good credit record. If you don't have a good credit record, even if you have a villa and a BMW, it's useless, so please cherish your credit record.

The characteristic of credit loan is unsecured and unsecured. So if you want to get a low interest rate, you must first know whether you have real estate or other collateral. If not, please don't think that the interest is high. However, we must be cautious when encountering interest exceeding the national regulations, and we must confirm the security of lending institutions before lending.

Credit and loan amount are generally small. If you need a large loan, please provide collateral.

Generally speaking, the larger the collateral, the more the loan amount. If it does not meet the requirements, the amount may be lower.

④ About loan term: There are three loan terms for commercial banks: one is short-term loans with a term of 65,438+0 years; Second, medium-term loans with a term of more than 1 year and less than 5 years; Third, long-term loans refer to loans with a term of more than five years.