What are the advantages of P2P online lending?
Hello, the threshold of P2P online lending is lower than that of banks, and it is also more transparent and flexible, which are all its advantages.
When choosing a platform, you can pay attention to the following points so as to choose the platform that suits you:
1. Look at the registration threshold:
Look at the registered capital of P2P platform, find out the details, and block P2P without capital ability, so as to reduce the risk.
2. Look at risk margin:
Risk margin, also called risk reserve fund and risk guarantee fund, is one of the most commonly used security guarantee methods for P2P platforms at present. When the investment projects on the platform are overdue, the platform will withdraw funds from the risk margin account to advance the principal or principal and interest for investors.
3. Third-party guarantee:
The p>P2P platform uses a third-party guarantee company to guarantee the principal and interest of the investment projects on the platform, which is a safer guarantee than the risk deposit.
4. Look at high returns rationally:
The annualized returns of p>P2P platforms are between 8.8-15.8%. When the interest rates of some platforms are too high, we must be vigilant.
The above points are for reference only. You should choose according to your needs. Investment is risky, so you should be cautious in financial management. I wish you a happy life ~
Analysis of competing products of bank loans and P2P loans
Looking at the whole Internet market, Internet finance is definitely an area that cannot be ignored. 213 is called the "first year" of Internet finance, and both major banks and Internet organizations have invested a lot in online loans. So, what are the characteristics of online loans of banks and P2P in recent years? Let's compare it.
In recent years, China Construction Bank, China Merchants Bank and China CITIC Bank have taken the lead in launching online loan business, and adopted the whole process of online processing. Online application, real-time approval, online signing and self-service withdrawal and return.
The online loans offered by banks mainly have the following characteristics:
First, the financial strength is strong. As banks have a very strong capital background, as far as the overall process of online loans is concerned, both online promotion and maintenance and offline data collection are supported by very strong funds, which is extremely stable.
second, the risk control mechanism is relatively perfect. For banks, various related policies and mechanisms, as the necessary supporting contents for launching online loans, have perfect process management before and after lending.
thirdly, the customer base is huge and the trust is high. For the high-risk behavior of loan, most individual customers still trust the bank, which is easy to generate business volume and then promote the development of online loan.
With the rapid development of the Internet, P2P network loans such as Pleasant Loan, lufax Loan and Renren Loan have sprung up in recent years. Let's take a look at the characteristics of P2P network loans.
first, the entry barrier is low. P2P network loan fully proves the significance of inclusive finance. As a very big advantage, the low entry barrier of P2P online lending platform is attracting users to enter.
second, the relevant procedures are simple. For P2P network loans, without the complicated procedures and data review of banks, the loan process can be optimized with the help of platform advantages, thus benefiting customers.
thirdly, the investment rate of return is high. As the P2P online lending platform is more focused on the development of online loans, as far as related platforms are concerned, the return on investment is higher than that of products such as banking wealth management.
despite the rapid development of P2P online lending in recent years, the internet has had a huge impact on traditional financial institutions, but I still believe that both P2P online lending and bank online lending still have a very broad development space. Under the relevant and complete supervision mechanism, the two online loans can complement each other and develop well and continue to be an important part of Internet finance.
what are the advantages and disadvantages of p>p2p online lending platform?
the advantages are: convenient and quick; High interest rate; The liquidity of funds is strong, and the risks are scattered; The accumulated idle funds are relatively large, which can meet the needs of borrowers for funds. As for the shortcomings, any investment has risks, and these risks are controllable and uncontrollable, which is related to the risk control ability of the platform. At present, as far as I know, the risk control of Search Easy Loan ("Wind Blade" system) is more famous. In addition, the current industry supervision is not perfect, so you should keep your eyes open when choosing.
what is the p>p2p online lending model?
according to the specific national conditions, regional characteristics and the advantages of the platform itself, the domestic P2P model refines all aspects of P2P lending, forming a variety of "P2P lending" models, which are mainly divided into six types:
Pure online model
The biggest feature is that both borrowers and investors obtain from non-ground channels such as network and telephone, and most of them are credit loans, and the amount of loans is small, and the credit evaluation and audit of borrowers are mostly through the network. This model is close to the original P2P lending model, focusing on data lending technology, user market segmentation, and small and intensive lending needs.
The platform emphasizes investors' self-awareness of risks, and guarantees investors to a certain extent through risk margin. The platform bears less risks and has high requirements for credit technology. At present, the business expansion ability of pure online mode has certain limitations, and the business operation is difficult.
The biggest feature of the creditor's rights transfer mode
is that there is an intermediary between the borrower and the investor-a professional lender. In order to improve the lending speed, the professional lender first lends with its own funds, then transfers the creditor's rights to the investor and uses the returned funds to re-lend. The creditor's rights transfer mode is more common in offline P2P lending platforms, so it has become synonymous with pure offline mode (meaning that both borrowers and investors develop through offline channels, but some pure offline platforms acquire some investors through online channels).
guarantee/mortgage mode
This mode either introduces a third-party guarantee company to guarantee each loan, or requires the borrower to provide certain assets for mortgage, so it no longer issues credit loans.
if the guarantee company meets the requirements of compliance operation and the mortgaged assets are properly selected and easy to flow, the risk of investors in this mode is low. Especially the mortgage model, because of its strong risk protection ability, the comprehensive loan rate has room for decline.
however, due to the introduction of guarantee and mortgage, the process of lending business is long, and the speed may be affected. In the guarantee mode, the guarantee company bears all the default risks, so it is extremely important to supervise the guarantee company, and the high-quality guarantee company may squeeze the pricing power of P2P lending platform by virtue of its strong position.
online to offline
is characterized by the division of labor and cooperation between p>O2O lending platform and borrower development institutions. The former concentrates on improving investment experience and attracting more investors. The latter concentrates on developing borrowers, and its business scale can expand rapidly.
The process is that small loan companies or guarantee companies look for borrowers (mostly through offline channels), and recommend them to P2P lending platform after review. After re-review, the platform posts the loan information on the website to accept the bids of online investors, and the small loan companies or guarantee companies will provide full guarantee or joint liability for the loan.
this model is easy to separate the complete risk control process, which leads to moral hazard of both partners. unless there is a strong relationship between the platform and the borrower development organization, or the platform itself has sufficient credit evaluation and risk control capabilities, the platform will bear higher operational risks.
P2B mode
this is a mode in which individuals provide loans to enterprises, where b refers to Business, that is, enterprises. However, in practice, in order to avoid various risks caused by a large number of individuals lending money to the same enterprise, the money is generally given to the actual controller of the enterprise first, and then the actual controller lends the money to the enterprise.
P2B mode is characterized by a high amount of single loan, ranging from several million to tens of millions or even hundreds of millions. Generally, there are guarantee companies to provide guarantees, while enterprises provide counter-guarantees. This model requires the P2P lending platform to have strong enterprise due diligence, credit evaluation and risk control capabilities, otherwise, even if there is guarantee and mortgage, the default of a single loan may break through the guarantee ability of the guarantee company.
mixed mode
many P2P lending platforms do not always have a clear distinction between the borrowing end, the product end and the investment end. For example, some platforms develop borrowers through online channels as well as offline channels; Some platforms match both credit loans and secured loans;
there are often overlaps between the above modes.
What are the advantages and disadvantages of p2p online lending?
From the lender's point of view, the most important thing is that the P2P platform can raise funds quickly, so as to avoid missing the opportunity by waiting for the loan for a long time. Secondly, it is convenient. The processes of loan authentication, bookkeeping, clearing and delivery are all completed through the network, and the loan can be completed without leaving home.
From the lender's point of view: 1. The investment threshold is low; 2. The risk is controllable and the principal is guaranteed; 3. The income is objective, and the annualized rate can generally reach 6%-15%; 4. Convenient, all operations can be completed online.
However, the shortcomings of p2p are also obvious. The information provided on the Internet is difficult to distinguish between true and false for small white wealth managers, and the current supervision system of p2p market is not perfect. More depends on the consciousness of the platform.
therefore, it is very important to choose the right platform. Here, I recommend Beijing Long Loan, which has been invested.
1.
There is real third-party custody;
2.
The borrower's audit mode is rigorous;
3.
A large amount of subject matter must be mortgaged;
4.
crown-group cooperation, principal and interest guarantee;
when choosing a platform, consider security first, and then consider revenue! Also remember to diversify your investment!
This is the end of the introduction about the characteristics of p2p network loan platform and p2p online loan platform. Did you find the information you need?