How can I borrow money from the loan treasure? Is it reliable to borrow money from the loan treasure? How much is the loan interest of Jiebaobao? Today, I will give you a detailed answer to this question. In life, when the capital turnover is not open, it will inevitably be like a friend's turnover. So how do you borrow money with a loan treasure? Let me explain this process in detail for you:
How can I borrow money from the loan treasure?
1. Users who use Lending Treasure for the first time need to download Lending Treasure app, then register their accounts and log in.
2. After logging in, click the loan and we will see the loan option, and then click Enter.
3. After entering, you will see the loan amount, repayment date, annual interest rate, etc. , and then fill in according to our own needs.
4. After all the above items are completed, submit the order, then enter the transaction password, and then publish it successfully. At this time, you just need to wait for someone to lend you money.
5. If we don't refinance after releasing the loan information, we can click to view the details and then choose not to borrow. You will be prompted, and then click OK.
How can I enter the loan treasure and what should I pay attention to?
After we set the loan information ourselves, Lending Bao will automatically calculate the principal and interest that should be repaid after maturity.
There will be a limit on the amount of money borrowed, and the loan will be comprehensively judged according to the number of friends.
The following are some introductions about Lending Treasure.
With the increasing popularity of social finance, P2 P online lending has also developed into a brand-new field. The "hunting loan treasure" borrowed by acquaintances is the classic "lending treasure", which is a P2 P online lending platform integrating the functions of borrowing money, investing, transferring and realizing, and is operated by Beijing Renrenxing Technology Co., Ltd. (hereinafter referred to as "Renrenxing"). The lending process is as follows: users need to register before lending, and they can only register successfully after agreeing to the user registration agreement. After successful registration, you need to match the mobile phone address book, and users can only choose people they trust to establish a circle of acquaintances with good credit. At the same time, in order to ensure the safety of funds, real-name verification such as identity and bank card should be carried out before the transaction. After the designated friend borrows money, the loan amount, annual interest rate and loan purpose shall be independently agreed by both parties, but shall not exceed the corresponding scope limit. It is not difficult to find that in the whole process of lending, as an online lending platform, the business behavior of "Lending Bao" and the lending behavior on the platform are two different legal acts. The former refers to the operating behavior of the platform itself, and the latter refers to the behavior of both borrowers and lenders with the help of the platform, which are not the same.
Starting from the lending behavior of both borrowers and borrowers, unlike the traditional top ten lending models, lending on the "Lending Treasure" platform is conducted online. Regarding lending behavior, scholar Chen Dongyu believes that "P2P peer-to-peer lending is not only a special form of private lending, but also a special form of e-commerce, which is an extension of traditional e-commerce in the field of private finance. Professor Zhang Zhengping also holds the view that P2 P peer-to-peer lending belongs to eleven emerging forms of private lending. }z} In my opinion, the acquaintance loan of' Hunting Loan Treasure' is closer to the essence of P2 P online loan, and its lending behavior is essentially networked private lending. Private lending has existed since ancient times and is a common behavior in private economic exchanges. Article 1 of the Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases (hereinafter referred to as the Provisions) promulgated by the Supreme People's Court defines private lending as "the act of financing among natural persons, legal persons and other organizations". According to this regulation, the subjects of private lending are natural persons, legal persons and other organizations, and the regulation also explicitly excludes financial institutions and their branches engaged in loan business established with the approval of financial supervision departments from the scope of application of the law. From the main point of view, at present, both borrowers and borrowers of "Lending Treasure" are individuals or organizations, without the intervention of financial institutions such as banks; From the objective point of view, what happens between borrowers and borrowers is financing behavior, so it belongs to ten non-governmental loans. On the "Lending Treasure" platform, both borrowers and borrowers directly have lending transactions, and the "Lending Treasure" such as interest rate, loan amount and loan term is determined by both parties themselves. The real lending transaction is only realized by the platform of Ten Nets, and it is essentially the lending of ten people, which is a model innovation of traditional private lending in the era of "internet plus".
Before the promulgation of the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries (hereinafter referred to as the Measures), domestic academic circles had different opinions on the operation of the platform. Liu Jiaoshou defined this behavior as intermediary service behavior. "Peer-to-peer lending refers to the lending model in which e-commerce network platform serves as an intermediary platform to provide information matching for fund providers and demanders, realize information docking between borrowers and lenders, and complete transactions. ; Li also believes that "the core role of the P2 P platform should be as an intermediary, and through a certain transaction system design, it should provide corresponding intermediary services such as information release, qualification judgment and matching for both borrowers and lenders, and should not participate in the guarantee and pledge of loan behavior, let alone become the main body of loan methods to absorb and store. In this regard, the promulgation of the "Measures" on August 24, 20 16 established the status of online lending platform as an information intermediary in the form of legislation. (1) The positioning of the lending platform itself. Item 2. Article 2 1 of Zhaomu Household Registration Agreement states that "Renren Bank provides intermediary services such as information release and transaction matching for individuals with investment and financing needs", the second item. Paragraph 5 of this article also emphasizes that "everyone's bank" does not involve capital transactions. Accordingly, the Lending Treasure Platform neither absorbs deposits nor lends money. It is a pure information intermediary, and only provides auxiliary services such as information matching, fund allocation and loan collection. It only plays a matching role in lending transactions and has the nature of "intermediary" in civil law. (2) the famous scholar Mr Shi Shangkuan,
"The content of the intermediary is limited to the media of other people's behavior, and it is based on the principle of compensation. Tax soldiers also stressed: "Intermediary is a typical contract, which takes information media service as its content and takes the realization of the intermediary's claim as its effect. [6] Accordingly, as a "middleman", there are two remarkable characteristics. First, information media service is content; Secondly, based on paid services, it provides information matching and fund allocation services for loan transactions, and charges a certain transaction service fee for the intermediary services provided, so it has the nature of "intermediary". More importantly, it provides media services for concluding contracts, so it is more accurate to say "media intermediary".