Is Burt's Bee Financial Loan Reliable?

First, it is reliable. We can see that it is reliable from three aspects: company qualification, arbitrary charges before lending and audit mechanism.

Second, the highlights of Bee Finance app:

1, a more convenient and fast borrowing tool, the threshold for online lending is still relatively low and the credit line is flexible;

2. There are many loan products in various forums, and the loan interest rate is very low, and the charging standard is quite transparent.

3. Meet diversified lending regulations.

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First, the four aspects of loan interest rate analysis:

1, company qualification

First, check the qualifications of the lending platform company. Most of the business license names of regular small loan companies contain the words "small loan". Unclear friends can directly log in to the credit information publicity system of enterprises in this province for inquiry. Secondly, regular small loan companies only lend but not save, and the contact information must be fixed telephone. If it is a mobile phone number, it seems a bit false and untrustworthy.

2. Arbitrary charges before lending

We should know that formal financial lending companies will not charge borrowers any fees before lending. If you need to pay various fees such as deposit, handling fee, security deposit, service fee and beheading interest before applying for online loan, please stop lending immediately.

3. Audit mechanism

The review mechanism of the formal online lending platform is strict, and some not only check the big data of online lending, but also check the credit report of the user's central bank. If the online loan application procedure you borrowed is too simple and the loan interest rate is too low and unattractive, you must pay more attention to avoid encountering routine loans.

4. Loan interest rate

According to the relevant laws and regulations of our country, the annual interest rate of loans can be protected within 24%, and if the annual interest rate exceeds 36%, it can be characterized as usury, and the borrowers who exceed it can not repay. If the interest rate of online loans borrowed by everyone is too high, it will inevitably be unreliable.

Second, the characteristics of Bee Finance app:

1. Many financial products in Lang Hua are gathered in the Bee Financial APP, which is a safe channel for correctly treating big data technology in the financial workflow of enterprise groups, with a view to becoming the next entrance of the financial workflow.

2. Bee Finance will focus on financial services, rely on the promotion of marketing services, slowly promote the financial service mode of marketing to the Internet, and cooperate with the resources in the middle and lower reaches to establish a comprehensive service platform integrating commodity circulation enterprises, production and processing, and financial integration, such as online trading, payment, equity pledge financing and service bee finance.

Three. Loans from financial institutions refer to loans issued by commercial banks to various financial institutions. It mainly includes loans to correspondent banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and finance companies.

Four, although these financial institutions themselves are lenders, but they are partly dependent on commercial banks in terms of funding sources, and need commercial banks to provide financing, mainly short-term financing. Commercial banks generally stipulate a loan amount within which loans can be made. Because their loan demand is regular, they can borrow and pay back at any time. They use the interest income of the loan to pay the loan interest and make a profit from it.

Verb (abbreviation of verb) main content:

Loans to financial institutions mainly include loans to correspondent banks, foreign banks, investment banks, savings and loan associations, credit cooperatives and other financial companies. Although most financial institutions raise funds and issue loans by selling commercial paper, they still need to borrow short-term funds from other commercial banks.

Six, in order to ensure the short-term financing needs and the maturity of commercial paper, these financial institutions often conclude loan limit agreements with several large commercial banks, within which they can borrow and repay, and the interest income and expenditure of loans can offset each other. Because of the guarantee of credit line agreement and short-term demand, this kind of loan is usually unsecured. Interest rates are also relatively low. For large financial institutions, the basic interest rate plus compensation or agreement commitment fee is usually used to determine.

Operating environment; Bee finance v 3. 5. 3