The routine of investment and loan companies

Is the investment loan of Youxiangchuang reliable?

Reliable.

Youxiangchuang Investment is a regular loan company in industrial and commercial registration, which is more reliable.

Youxiangchuang Investment Co., Ltd., founded in 2022, is located in Qinzhou City, Guangxi Zhuang Autonomous Region, and is a business service-oriented enterprise.

What non-bank companies are there in Changsha? Changsha Top Ten Regular Small Loan Companies

Are there any non-bank companies in Changsha? In this unhealthy loan market, many lawless elements in corporate cloaks wander in the loan team and cheat unscrupulously, which makes many novices hard to prevent. Here are ten regular small companies in Changsha.

Changsha Top Ten Regular Small Loan Companies

1, Tianyuan Jinhong Company

Address: Floor 6, Jingu Building19, Jinxing Middle Road, Yuelu District, Changsha City, Hunan Province

2. Yaming Co., Ltd. Yuehu Liaison Office

Telephone:

Address: Building 37, Zone A, Yuehu Market

3. Beisheng Consulting Service Center

Telephone:

Address: near Xinmin Road Label: Company Enterprise-Company

4. Wangcheng District Employment Promotion Security Center

Address: near Wangcheng Avenue 100

5. Yuelu District Jinhe Co., Ltd., Changsha City.

Address: No.2 Yuelu Avenue

6. Gao Qiao Limited

Address: Gao Qiao, West Gate of Gao Qiao Market.

7. Chongge

Address: Floor 2 1, Huameiou Building, No.389, wuyi avenue.

8. Changsha Shengfeng Co., Ltd

Address: No.205 Xingsha Avenue, Changsha Economic Development Zone

Tel: (073 1)85284902

9. Changsha Yuheng Co., Ltd

Address: Floor 2, Xinglong International Plaza, Tianhua Road 1, Xingsha Town

10, Changsha Ruiwan Investment Company

Store address: wuyi avenue Wuyi Shinkansen 18 1804, Wuyi Square, Furong, Changsha.

Business hours: 24 hours

Business phone number:

Tips: If you want to enjoy on-site service, you can fill it in directly on our website.

Application materials, we will provide you with better and more efficient services.

How to tell whether a company is formal and reliable?

If you want to apply for a formal loan, the borrower must first find a formal small loan company. Small loan companies emerge one after another, including some companies with irregular operations. Borrowers can find loan companies from the following aspects:

1. Is the certificate complete?

Formal small loan companies hold business licenses, business licenses and other materials, and borrowers must check the integrity of documents when looking for small loan companies.

2. Is there a fixed business place?

Formal small loan companies have fixed business premises and contact information, while informal companies generally only have a website and a mobile phone number. If you want to make sure of this, the borrower had better make a field trip.

3. Is there a charge before the loan?

Formal small loan companies will not ask borrowers to pay any fees before issuing loans. We must keep this in mind to avoid being cheated.

4. Is the expected annualized interest rate of the loan too low?

Although the loan amount you apply for is not high, regular small loan companies will not reduce the expected annualized interest rate of loans. On the contrary, the expected annualized interest rate of loans of small loan companies is higher than that of bank loans.

5. Is the loan procedure too simple?

When looking for a formal small loan company to apply, the borrower must provide valid identification, work certificate, income certificate and other materials, so those who claim that they can borrow money only with their ID cards or household registration books must be fraudulent companies.

What qualifications does a loan company need?

(1) Having articles of association that meet the requirements; (2) The registered capital is not less than RMB 500,000.00 Yuan, which is paid-in monetary capital, and shall be fully paid by the investor at one time; (3) Having senior managers with professional knowledge and professional work experience; (4) Having staff with corresponding professional knowledge and work experience; (5) Having the necessary organizational structure and management system; (6) Having business premises, safety precautions and other business-related facilities that meet the requirements; (7) Other conditions stipulated by China Banking Regulatory Commission.

Six, the establishment of a loan company investors should have the conditions.

(1) The investor is a domestic commercial bank or a rural cooperative bank; (2) Its assets are not less than 5 billion yuan; (3) Good corporate governance and sound and effective internal control; (four) the main prudential supervision indicators meet the regulatory requirements; (5) Other prudential conditions stipulated by the CBRC.

Seven, the main regulatory indicators

(a) loan companies should adhere to the principle of small-scale decentralized loans, improve loan coverage, and prevent excessive concentration of loans. The loan balance of the loan company to the same borrower shall not exceed10% of the net capital; The credit balance to a single group enterprise customer shall not exceed 15% of the net capital. (II) The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% at any time and the asset loss reserve adequacy ratio is not less than 65,438+000%. (3) The NPL ratio is less than 5%

Is the investment company a loan company?

Not necessarily.

An investment company is not necessarily a loan company. Private lending is an investment behavior and a form of compensation trade. There are two kinds of investment companies, one is an intermediary and the other is a company.

What formal loan companies are there in Chengdu?

If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to the mobile banking and click "My → All → Loan → Lightning Loan" to apply for lightning loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.