DouDouQian loans are reliable and formal.

DouDouQian is an internet loan product developed and operated by Shanghai Wixin Aloysius Financial Technology Company Limited (referred to as Wixin Jinke), which is a Hong Kong-listed financial technology platform.

DouDouQian's loan interest rate is about 0.75% per month at the lowest, in addition to the handling fee. Loan interest plus handling fees and other fees are illegal if they exceed 36%, so you can do the math when borrowing.

Loans (e-debit credit loans ) are simply understood in layman's terms as borrowing money that requires interest.

Loans are a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned and other conditions. Loans in a broad sense refers to loans, discounting, overdrafts and other lending funds in general.

Banks through the loan will be concentrated in the form of money and money funds put out, can meet the expansion of social reproduction on the need for additional funds, promote economic development, at the same time, the bank can also be obtained from the loan interest income, increase the bank's own accumulation.

The "three principles" refers to security, liquidity and efficiency, which is the fundamental principle of commercial bank loan operation. Article 4 of the Commercial Banks Act states: "Commercial banks shall operate on the principles of safety, liquidity and efficiency, and shall carry out independent operation, bear their own risks, be responsible for their own profits and losses, and exercise self-restraint."

1, loan security is the primary problem faced by commercial banks;

2, liquidity refers to the ability to be able to recover the loan by a predetermined period of time, or the ability to quickly liquidate the loan without loss, to meet the customer's need to withdraw their deposits at any time;

3, efficiency is the basis of the bank's continued operation.

For example, the issuance of long-term loans, the interest rate is higher than the short-term loans, efficiency is good, but the loan period is long will increase the risk of reduced security, liquidity is also weakened. Therefore, the "three sexes" should be in harmony with each other, so that the loan can not be a problem.