1. The foreign name of online loan is peer-to-peer lending. P2P online lending is the abbreviation of peer-to-peer lending, including personal online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (itfin) industry. In 20 12, the number of online lending platforms in China increased rapidly. At present, there are about 350 active platforms, and as of April 20 15, the total number has reached 3054.
2.2065438+In September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of Credit Information System to Support P2P Online Loan Access. Connect the on-the-job P2P online lending institutions to the credit information system.
: First, the model of online lending
Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that Internet credit companies provide a platform for borrowers and borrowers to bid and trade freely.
3. Under the traditional P2P mode, the online lending platform only provides services such as information circulation interaction and information value appraisal. It is convenient for the borrower to complete the transaction and does not actually participate in the loan interest chain. Lenders and borrowers have a direct creditor-debtor relationship, and the online lending platform maintains its operation by charging certain service fees to borrowers and lenders. In China, due to the nonstandard citizen credit system, it is difficult for the traditional P2P model to protect the interests of investors. If it is overdue, investors will lose money.
4. Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that credit loans should be jointly guaranteed by relatives and friends, and other loans should be mortgaged or pledged as counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit the principal and interest of the project, requiring its guarantee scale to match the guarantee amount of the guarantor, and the guarantor should also strengthen its own risk control management. Peer-to-peer lending, also known as P2P online lending. P2P is the abbreviation of peer to peer, which means "individual to individual".
Second, the risk of peer-to-peer lending.
Online loan belongs to bond investment, which has clear income and interest income for fund lenders; The public often confuses it with equity crowdfunding. Equity crowdfunding is a kind of equity investment with flexible income. Investors can get future income through investment companies. For example, Beijing North Crowdfunding and 36Kr are all equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should be fully aware of risks, have sufficient knowledge and mental preparation for taking risks, and judge and take project risks by themselves.