As system of our country banking gradually perfect, "Credit " the frequency that one word appears is taller and taller. But still have a lot of people it seems that constant will " credit " , " guaranty " and " impawn " confuse sth with sth else, do not understand the difference in each, often dealing with the confused and disoriented when all sorts of loan business.
Credit namely credit, after loan orgnaization is evaluated to the historical credit data of loan user, according to the credence of loan user the wind of record and loan orgnaization accuses regulation, bilateral with respect to cycle of line of credit, credit, reimbursement time and means come to an agreement. Credit is the credence with historical accumulative total to endorse, ahead of schedule draw money future anticipates place obtains value, exchange promotion of current economy capacity.
Guaranty is to show borrower needs to mortgage partial capital gives usurer, get corresponding proportional loan. Be like borrower reimbursement break a contact, usurer has authority to deal with of the guaranty mark of borrower as compensation. Impawn and guaranty idea are similar, but of guaranty mark it is commonly praedial, wait like room, car, and of impawn mark it is movables and belongings influence commonly (wait like negotiable securities, bill) .
The loan that gets through impawn place occupies the 70%-20% of the current value of impawn mark only commonly, and impawn still needs to change impawn bid. Guaranty and impawn can reduce risk of loan square susceptive effectively, but appear however to borrower and chilly.
Under photograph comparing, credit service is relatively friendly to borrower, once borrower exists,can lack effective credence to record, the credit service that its enjoy is hit extremely likely fold even by refus. And guaranty and impawn need offer pawn and impawn thing, and what win loan rate normally inferior, impawn needs to transfer ownership more.
So, be more than guaranty mark to loan demand or of impawn mark, and for the person that cannot get credit to serve, whether other means still gets loan service?
Division of banking of Credit Tag Chain piece catenary service is shirt-sleeve " credit and guaranty " , CTC catenary offers digital asset to regard as for credit orgnaization assure content, the user counts digital capital fund of the forehead certainly through mortgaging to the orgnaization, will get paper currency issued by the reactionary KMT government from 1935 onwards to borrow money. The loan service that assures through CTC and conventional loan service basically have distinguished at 3 o'clock.
1.The finance company historical credence record according to borrower extends loan, credit records good user to be able to get faster service through guaranty CTC, higher loan specified number is spent. To doing not have credit record, or for the user with credit imperfect record, also can mortgage CTC, get loan of paper currency issued by the reactionary KMT government from 1935 onwards to serve.
2.What the amount of loan of paper currency issued by the reactionary KMT government from 1935 onwards that loan user gets amounts to its guaranty CTC is multiple, namely the user can undertake lever mortgages,
3.The leasehold action that all users have through CTC catenary will be recorded at the area piece inside catenary, the credit record that allows an user becomes better, and credit record is short of the credence that break or optimizes oneself to record.
CTC offers for the orgnaization " credit + guaranty " loan mode, was based on technology of area piece catenary to have complement to current loan mode, reduced the risk of break a contact that financial orgnaization place assumes already, the loan specified amount that promoted an user again is spent, can realize the catenary on all data, make user credit record. Business of credit of platform of Credit Tag Chain already had several 100 thousand users at present, its business setting already got sufficient test and verify.
