The lending institutions in JD.COM Baitiao are not fixed. At present, JD.COM Baitiao has the following lending institutions: 1. Shenzhen Qianhai Weizhong Bank Co., Ltd.; 2.Xi 'an Bank Limited; Three. Bank of Nanjing Limited. Bank of Shenzhen Limited
Shenzhen Qianhai Weizhong Bank will combine the Internet to provide efficient and differentiated financial services. With the concept of "inclusive finance", it mainly meets the needs of small and micro loans for individuals or enterprises. In the future, we will use the Internet platform to conduct business, and rely on the platform to cooperate with other financial institutions to conduct business. The risk control of banks has introduced a nationwide bank risk control system. On this basis, Tencent's technical capabilities in the Internet field will be introduced, and technologies such as big data will be used to control business risks.
Two. Xi' an bank co., ltd
Xi 'an Commercial Bank, the predecessor of Xi 'an Bank, was established on May 3, 1997. Is a local joint-stock commercial bank controlled by the Xi government, with foreign participation. The growth of the main operating indicators of the bank in the past three years is equivalent to the development level of the previous 2-3 years. In 2008, in the annual "Top 300 Asian Banks List" published by Asia Weekly in Hong Kong, the bank ranked first with a net profit growth rate of 500%. In 2009, with the approval of China Banking Regulatory Commission, China Cinda Asset Management Corporation, scotiabank and Xi Municipal Finance Bureau made strategic investments in the bank, directly introducing 2.3 billion yuan of funds from inside and outside the province, bringing the total share capital of the bank to 3 billion yuan.
3. Bank of Nanjing Limited
Nanjing Bank Co., Ltd. was established on February 6, 2006, with its registered place at No.288 Zhongshan Road, Xuanwu District, Nanjing, and its legal representative is Hu. On May 13, 2020, as the first initiator, we jointly launched the "Digital Transformation Partnership Action" initiative with the National Development and Reform Commission.
JD.COM Baitiao is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
1, JD.COM IOUs.
“JD。 COM White Strip is a credit payment service for users with high credit rating and consumer demand through credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Step 2 consume
"White Strip" also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
My credit report shows that it is an online loan from Xi 'an Bank Co., Ltd., and I want to pay it off in one lump sum. Where can I find the platform?
If you can't find the source of the online loan, you can call the official customer service phone of Xi 'an Bank to find out on which platform the loan can be found, or you can directly follow their repayment method. Personal consumption loan of An Bank Co., Ltd. shown in personal credit information is applied in An Bank. Personal consumption loan refers to the RMB loan business issued by the bank to individual customers with designated consumption purposes, mainly including personal housing, automobile, general student loans and other consumer personal loans.
Xi 'an Bank Co., Ltd. was incorporated in Xi 'an Administration for Industry and Commerce on June 5438+1 October12003. Its legal representative is Jun Guo, and its business scope includes absorbing public deposits. Issue short-,medium-and long-term loans; Handle domestic settlement, etc. Xi An Bank Loan Policy Brief Introduction Xi An Bank Loan Policy refers to the applicant's loan policy.
199 1 China's housing credit business started, and various housing credit policies were introduced one after another. 199 1 China Construction Bank and China Industrial and Commercial Bank set up a real estate credit department to handle personal housing credit business, and formulated the Measures for the Administration of Housing Mortgage Loans for Employees. 20 10, 13 In April, the national executive meeting held in China demanded that the down payment ratio of families buying second homes should not be less than 50%, and the loan interest rate should not be lower than the benchmark interest rate of 6544.
2065438+September 30, 2004, the central bank issued a document clearly releasing the first suite, making it clear that financial institutions should implement the first suite policy when they apply for a loan to buy a house again for families who own a house and have settled the loan. The minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. 2065438+February 2006, the central bank announced a reduction in down payment, and the proportion of first suites and second suites in cities that are not restricted from purchase increased by 23% respectively. The latest data shows that many banks in Xi 'an are also actively responding to China's new policy, and Xi 'an Bank is no exception. Some banks have a minimum down payment of 22% for the first suite and 30% for the second suite, with an interest rate of 8.5%. Subsequently, in addition to preferential interest rates, Xi 'an Bank also launched a credit loan for house decoration. Those who have legal and stable income, no bad credit record and certain repayment ability can apply.
There is also a loans overdue in the personal credit report of Xi 'an Bank Co., Ltd.. I don't remember applying for a credit card in Xi 'an.
First of all, you should think carefully about whether you have made this loan, then your relatives and friends borrowed money without your information, and then you can contact the company.
-If you can't find the source of the online loan, you can call the official customer service number of Xi 'an Bank Co., Ltd., they can find out which platform you borrowed money from, or you can repay the loan directly according to their tips. I hope I can help you!
-At present, JD.COM gold bars are mainly provided by Xi Bank Co., Ltd., so users who borrow gold bars in JD.COM will show Xi Bank Co., Ltd. on their credit information. Note that both normal loan records and overdue loan records will be uploaded to the credit information. Please use gold bars to repay on time, so as not to affect your personal credit information. At the same time, very few people reported that 360 IOUs were also lent by Xi 'an Bank Co., Ltd. If it is 360 IOUs, users can call the customer service hotline to verify the specific information. If the information displayed on the credit report is different from the information verified by the customer service, it means that the information displayed on the credit report has nothing to do with the 360 IOUs.
-The loan approval in the credit report means that the user has applied for a loan in a bank or other financial institution. One is that when a user applies for a bank loan, the bank will inquire about the user's personal credit information, and the other is that the user has applied for a loan on other lending platforms that need to inquire about credit information records, and the institution will also inquire about the user's credit information records during the audit. Therefore, these loan approval records will be reported to the central bank's personal credit information system and recorded.
-If your credit report is affected by improper credit card repayment, and the applicant can provide evidence of non-malicious overdue, some banks may consider it as appropriate. For example, some people just forget to use the card after opening it, and only owe an annual fee. If the bank can prove that you only owe an annual fee, financial institutions may be lenient when applying for a mortgage. There are also some banks that can provide you with small overdue non-malicious overdue certificates (generally below 500 yuan), and increase the down payment, or give certificates of deposit to banks for time deposits to help you apply for loans.
-If you feel that your overdue record is' aggrieved', there is a way to appeal. I believe everyone has heard that' bad credit records will be automatically eliminated after 5 years'. It should be noted that the five years here does not mean that I owe the bank 30,000 yuan, which is overdue, and the overdue record will be automatically eliminated after five years. But when you honestly pay back the 30 thousand yuan and the penalty interest, it will take another five years to eliminate the bad record. At present, many financial institutions will refer more to personal credit information in the last two years. In other words, you can apply for a loan or credit card if there is no new bad record for two years after the overdue debt is paid off. You don't have to wait five years. Please communicate with financial institutions for details. In fact, the overdue record was recorded by the credit information center only after the bank reported it to the central bank.
What kind of loan is Xi 'an Bank Co., Ltd.
Xi 'an Bank Co., Ltd. personal credit report shows that it is a personal consumption loan. Personal consumption loans refer to RMB loans issued by banks to individual customers with designated consumption purposes, which are mainly used for personal housing, automobiles, general student loans and other consumer personal loans. If personal consumption loans are generally written as loans, not credit cards. See if you have applied online, or if your relatives and friends have taken your information to get a loan. If others steal information to defraud loans, try various ways to safeguard personal rights and interests.
1.Xi An Bank is a joint-stock commercial bank. Its predecessor was Xi 'an Commercial Bank, which was established in 1997. It is a local joint-stock commercial bank with foreign shares controlled by Xi government. 20 10 with the approval of China Banking Regulatory Commission, Xi 'an Commercial Bank was officially renamed Xi 'an Bank, which realized the leap-forward transformation from a local city commercial bank to a modern commercial bank operating across regions.
2. The full name of Xi 'an Bank is Xi 'an Bank Co., Ltd., the actual controller is the Finance Bureau of Xi 'an Municipal People's Government, and the shareholders are scotiabank, Datang Xishi Cultural Industry Investment Group Co., Ltd., Xi 'an Investment Holdings Co., Ltd., Shaanxi Branch of China Tobacco Corporation, and Xi 'an Jingkai City Investment and Construction Management Co., Ltd.
Three. If the ID card is stolen and the loan is suspected of fraud, it is recommended to report the case to the public security organ in time.
At the same time, you can check your credit records at the bank to see if you have borrowed money. It is illegal to borrow money in the name of others, so the parties can appeal on the premise of sufficient basis and the court will make a judgment. The court finally ruled that the parties did belong to the bad credit records caused by the theft of their ID cards, and the bad credit records of the parties could finally be eliminated in the bank credit information system.
4. How to check and confirm that personal information has been fraudulently used and there is a record of loan or credit card use:
You can directly log in to the personal credit information system online for inquiry, or you can directly hold ID cards and other related materials to the credit information center for inquiry. It is worth noting that the personal credit record will only show whether you have borrowed money, whether it is overdue and so on. , the specific detailed information is not known yet. It is recommended to inquire through telephone banking.