Does Jincheng consumer finance collect credit in stages?

Jincheng consumer finance consumption staging is a loan platform for the central bank to collect credit at the meeting. Because Jincheng consumer finance is a formal licensed consumer finance company.

Extended data:

Sichuan Jincheng Consumer Finance Co., Ltd. was jointly funded by Chengdu Bank and Hong Leong Bank of Malaysia with a registered capital of RMB 320 million, of which Chengdu Bank holds 565,438+0% 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.

Unlike mortgages and car loans with relatively fixed interest rates, consumer finance and credit have no "fixed" interest rate standards. According to the previous relevant measures, each loan will be priced by the consumer finance company according to the borrower's risk level, and the maximum loan interest rate will not exceed 4 times the central bank's loan interest rate for the same period.

If you have more loans and a good credit record, the interest rate will be lower. And the interest rate of each first-time lender is not consistent. Even if you buy the same commodity with the same loan term, different interest rates will be generated due to the characteristics of the lender and the information provided by the income certificate. The lowest one-year loan interest rate is the benchmark interest rate, that is, 5.3 1%, and the highest one is four times the benchmark interest rate, that is, 2 1.24%.

In addition to personal consumption loans, the business of Sichuan Jincheng Consumer Finance Company also involves credit asset transfer, domestic interbank borrowing, borrowing from domestic financial institutions, issuing financial bonds with approval, consulting and agency business related to consumer finance, acting as an agent to sell insurance products related to consumer loans, and investing in fixed-income securities.

The late consequences of Jincheng consumer finance consumption staging;

1. The credit rating has been lowered.

Overdue behavior will inevitably reduce everyone's credit rating in Jincheng consumer finance. In addition, since Jincheng Consumer Finance is a joint venture between Chengdu Bank and Hong Leong Bank of Malaysia, overdue behavior will also lower everyone's credit ratings in these two banks. In the case of serious overdue behavior, those who are overdue will be directly blacked out by these three financial institutions.

2. Charge penalty interest

Like other financial institutions, Jincheng Consumer Finance will charge a penalty interest on a daily basis until the borrower pays off all debts.

The defendant went to court.

If Jincheng considers it necessary by stages of financial consumption, he will directly take the debtor to court and request the court to seal up and auction the debtor's property for repayment of debts.

Jincheng consumer finance consumption stages not only collect credit information, but also take other measures against debtors. Therefore, we must not let overdue things happen, let alone arrears.