2. Facing the assembly. Borrowers will be urged by Jincheng consumer finance to contact their families or work units, and their normal life and work order will be disturbed to some extent.
3. Produce bad credit. Overdue repayment records will be uploaded to the central bank for credit information, which will adversely affect personal credit. Being included in the list of dishonesty will also affect individuals' high consumption, taking transportation and their children going to school.
4. Can't handle credit business. Overdue will affect the handling of credit business of Jincheng consumer finance, and the credit business of other financial institutions will also be affected after being uploaded to the central bank for credit investigation. It is difficult to handle credit business normally without deleting overdue records.
5. Be sued by Jincheng Consumer Finance. If the borrower continues to fail to pay off the debt, Jincheng Consumer Finance will collect it through legal channels and enforce the property under its name, and the proceeds will be used to pay off the debt.
1. Sichuan Jincheng Consumer Finance Co., Ltd.: It was jointly established by Chengdu Bank and Hong Leong Bank of Malaysia with a registered capital of 320 million yuan, of which Chengdu Bank holds 5 1% and Hong Leong Bank of Malaysia holds 49%. On March 20 1 0/day, Sichuan Jincheng Consumer Finance Company was formally established and took the lead in opening in the first batch of pilot cities in China.
2. Development: In August 2009, in order to implement the guiding opinions of the state on "maintaining growth, expanding domestic demand, adjusting structure, promoting consumption and promoting economic development", the CBRC officially issued the Measures for the Pilot Management of Consumer Finance Companies. Beijing, Tianjin, Shanghai and Chengdu are listed as four pilot cities in China. 20 10 65438+ 10 On October 6th, CBRC officially approved Chengdu Bank to establish Sichuan Jincheng Consumer Finance Company. Chengdu became one of the first three cities approved to set up consumer finance companies, and the other two cities were Beijing and Shanghai.
3. Sichuan Jincheng Consumer Finance Co., Ltd.: Initially, the target customers are young low-income groups with relatively stable income. In terms of product design and service promotion, they closely focus on the target customers, providing consumers with personal durable goods consumption loans and general consumer goods loans to meet the financial needs of urban and rural residents in household appliances, tourism, weddings and other aspects. To provide specialized consumer finance services for individual customers that commercial banks cannot benefit, meet the consumer finance needs of low-and middle-income groups at different levels, and improve the living standards of urban and rural residents.