I. Provisions on the withdrawal of internal quota of Xiao Mahua:
1, maximum withdrawal amount = credit limit, that is, you can withdraw as much as you have. If the account is not overdue and the amount is sufficient, users can withdraw the corresponding amount according to their personal needs.
2. Xiaoma Huahua is an online loan platform and a revolving loan platform under the immediate consumer finance. It integrates the high-quality loan products of the whole network to fully meet the individual needs. After the user applies, intelligently match the loan products, apply online, quickly review, download the Xiaomahuahuahua APP, register for loan application, and the system will automatically review, and comprehensively evaluate according to the completeness and accuracy of the user's application information and the user's personal credit situation.
Second, the loan (electronic IOU credit loan [5]) is simply understood as borrowing money with interest.
1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Three. principle
1, "three principles" refers to safety, liquidity and efficiency, and is the fundamental principle of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
(1) loan security is the primary problem faced by commercial banks;
(2) Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
⑶ Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.