Shulou(Shulou.com)05/31 Report--

Audio commentary

Hello, everyone. The meeting will answer your questions. Loan platform which is easy through not looking at credit 2020 students, loan platform which easy through do not look at credit 2020 this many people do not know, now let's take a look at it!

Answer:

1. The down payment rate of Qianbao has been good all the time, and there is no credit information when applying. The amount of the loan is less than 30,000 yuan and the term of the loan is 3-6 months. Victor is one of the small short-term loans, ignoring black and white and not checking credit information. At present, the down payment rate is very good, with an average of about 1500 yuan. Yihua has a loan of 2000-10000 yuan and does not do a credit check. The age of the applicant is 23-35 years old and the score of sesame is 580.

2. Classification of credit information:

3. According to the business model, it can be divided into two categories: enterprise credit information and personal credit information. Enterprise credit information is mainly an organization that collects enterprise credit information and produces enterprise credit products, while personal credit information mainly collects personal credit information and produces personal credit products. In some countries, these two types of business are completed by one organization, in some countries, by two or more institutions respectively, or in one country, there are not only institutions engaged in individual credit information, but also institutions engaged in personal credit information and enterprise credit information, generally unrestricted, and shall be decided independently by credit agencies according to the actual situation. There are three main business models of credit agencies in the United States: (1) capital market credit rating agencies, which evaluate stocks, bonds and large infrastructure projects; (2) commercial market evaluation agencies, also known as enterprise credit information service companies, its evaluation targets are all kinds of large, medium and small enterprises; (3) personal consumption market evaluation agencies, whose credit targets are individual consumers. According to the service object, it can be divided into credit information, business information, employment information and other information. The main customers of credit investigation are financial institutions, which provide support for credit decision-making; the main service object of commercial credit survey is wholesalers or retailers, which provide support for credit decision-making; the main service object of employment credit information is employers, which provide support for employers' employment decision-making; in addition, there are other credit investigation activities, such as market research, creditor's rights processing, chattel and real estate appraisal, etc. The credit information services for different customers are either completed by one organization or by independent enterprises around the upstream and downstream of the database credit information institutions. According to the scope of credit information, it can be divided into regional credit information, domestic credit information and transnational credit information. In general, the scale of regional credit information is small, and credit information services are only provided in specific areas. This model is common in countries where the credit information industry has just started. After the credit information industry develops to a certain stage, most of them tend to merge or specialize, and the real regional credit information will gradually disappear. Domestic credit investigation is one of the most institutional forms in the world at present, especially in the countries that have set up credit information agencies in recent years. In recent years, cross-border credit reports have increased rapidly. There are two main internal and external reasons for the rapid development of this kind of credit information: the internal reason is that some established credit institutions in western countries have infiltrated into other countries in various forms (such as setting up subsidiaries, cooperation, equity participation, providing technical support, setting up offices, etc.). In order to expand their own business; the external reasons are mainly due to the accelerated process of world economic integration, the mutual infiltration and integration of national economies, the increasing number of transnational economic entities, and the increasing demand for transnational credit information business. In order to adapt to this development trend, there will be more and more forms of transnational credit information. However, due to the different political systems, legal systems and cultural backgrounds of different countries, the development of cross-border credit information is also restricted to a certain extent.

This is the end of this article. I hope it will be helpful to all of you.

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