Is the Hangzhou citizen card app loan reliable?

Not very reliable, I suggest not to use it.

According to public information, Hangzhou Citizen Card is an integrated circuit card (ic card) authorized by Hangzhou citizens to handle personal social affairs and enjoy public services. Hangzhou citizen card is not eligible for loans, so what "role" did Hangzhou citizen card play in this storm?

Recently, I borrowed RMB 3,000 * * and RMB 6,000 from two apps: Bug Express (2.32. 12) and Gold and Silver Money (1.23.9). The term is 5 days, but the actual payment is only 1650 yuan, and the beheading interest is 1350 yuan. After 5 days, the repayment is 3,000 yuan. Calculated by IRR formula, the daily interest rate is as high as 16.4%, and the beheading rate is almost halved. The annualized interest rate of this "55 super anti-aircraft gun" has reached more than 5000%.

1, loan (electronic IOU credit loan) Simple and popular understanding is that borrowing money has interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending money and monetary funds, banks can meet the needs of society for supplementary funds, so as to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. I. Risk review

2. The emergence of loan risk often begins at the stage of loan review. From the disputes in the comprehensive judicial practice, we can see that the risks in the loan review stage mainly appear in the following links. (1) The audit content is omitted, and the bank loan examiner is omitted, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence, which makes it difficult to identify fraud in loans and easily lead to credit risks. (3) Many misjudgments are caused by banks not listening to expert opinions or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In fact, most loan review processes are not very strict and in place.

3. The legal content of the pre-loan investigation (1) examines the legal status of the borrower's legal establishment and continuous and effective existence. If it is an enterprise, it is necessary to check whether the borrower is legally established, whether it has the qualifications and qualifications to engage in related businesses, check the business license and qualification certificate, and pay attention to whether the relevant certificates have passed the annual inspection or related certification. (two) about the borrower's credit investigation whether the borrower's registered capital is suitable for loans; Check whether there is obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. (3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; (4) About guarantee. For the guarantee, examine the qualification, reputation and performance ability of the guarantor. Special inspections should also be conducted on borrowers and their responsible persons to reduce the moral hazard of lenders, and special inspections should also be conducted on financial institutions. In addition to checking the qualifications, conditions and operating conditions of borrowers, we should also strengthen the personal qualities of enterprise investors, legal representatives and key management personnel, including gambling, drug abuse, whoring, keeping mistresses and frequent visits by key personnel such as the chairman, general manager, factory director and manager. Their corporate loans must be strictly controlled. Loans to family businesses or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by relevant personnel and their families and relatives.