Is Nanjing Heng Chang Microfinance Company closed?

At present, Nanjing Heng Chang Microfinance Company has not closed. Heng Chang Loan Company is a formal company, but its reputation is not very good in recent years. Headquartered in Beijing, Heng Chang is a comprehensive modern service enterprise integrating wealth management, credit risk assessment and management, credit data integration service, microfinance industry investment, microfinance consulting service and transaction facilitation.

I. Heng Chang Loan Company

Heng Chang brand consists of Beijing Heng Chang Litong Investment Management Co., Ltd., Beijing Heng Chang Cai Hui Investment Management Co., Ltd., Beijing Changheng Huicheng Information Consulting Co., Ltd. and many other professional companies, and has opened branches in Beijing, Shenyang, Xi, Dalian, Zhengzhou, Tianjin, Taiyuan, Yantai, Qingdao, Harbin, Chengdu, Nanjing, Suzhou, Xiamen, Fuzhou and Nanchang. 20 13 organized a financing team covering Beijing, Shanghai, Shenzhen and Guangzhou to provide customers with all-round and personalized wealth appreciation and credit appreciation services.

Second, loans.

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. Matters needing attention in loan

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.

Fourth, the principle of loan.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles 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 within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. 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.