2 thoughts on “What is a loan -aid product?”

  1. According to the definition of the "Tips on Strengthening Business Standards and Risk Prevention and Control" issued by the Beijing Internet Finance Association's previously issued, the loan aid business refers to After owning their own risk control processes, they will transport higher -quality customers to licensed financial institutions and financial institutions, and complete a business of issuing loans after the final review of licensed financial institutions and financial institutions.
    The loan assistance business involves both funds and bidders.
    Among them, from the perspective of funding, banks, insurance, trusts, finance companies, small loan companies, consumer finance companies, etc. may become fund providers. However, in terms of scale, the proportion of bank funds is the largest (because the funds behind many trust programs are also from banks), which is the most important lending subject.
    The loan assistant can be divided into licensed institutions and non -licensed institutions. The former can be divided into two categories. , Weizhong Bank, etc.) and some fintech companies (they are usually exhibited through its small loans, online small loans, financing guarantees and other licenses).
    Couns with licenses include financial technology companies, P2P platforms, data companies, etc. with some licenses such as small loan -free, online small loans, financial leasing, and financing guarantee. Under the new regulatory requirements, this part of the institution shall not directly participate in the loan issuance (that is, joint loans), mainly for funding party to provide customer acquisition and risk control services.

  2. Loan aid refers to the loan assistance institution to screen the target group through its own system or channel. After completing its own risk control process, high -quality customers will be transported to licensed financial institutions and financial institutions, and licensed financial institutions, categories of categories, and classes After the final trial of financial institutions, a business is completed.
    This response time: 2020-09-22, please refer to the official website of Ping An Bank.

    [Ping An Car Main Loan] You can loan if you have a car, up to 500,000

    b.pingan/station/activity/qr-carloan/loantrust? Source = SA0000632

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