2. In terms of loan service life, Easy Wallet loan supports repayment in 3, 6, 9 and 12 months. Borrowers can choose the most suitable service life according to their own economic conditions. 12 months repayment cycle makes your repayment easy and stress-free. Easy wallet loan supports equal principal and interest repayment, active repayment and automatic deduction by the platform. If you want to borrow it easily in your wallet, the applicant needs to meet the following conditions: age between 22 and 50, real-name mobile phone number, and good sesame credit. The information required in the application includes the borrower's ID card, sesame credit certificate, etc.
Operating environment: Apple 12, ios 14, Alipay version 10.2.0.9000.
1, Peer-to-Peer Lending means that both borrowers and borrowers borrow money on the Internet platform. Online loans are mainly small loans, which originated in Europe and America during the financial crisis. Peer-to-peer lending has achieved certain results in alleviating short-term capital seeking, risk financing and opening up personal investment channels. In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Both borrowers and borrowers can make loans without leaving home. Moreover, the general amount is not high, unsecured, pure credit lending. As an ancient financing method, private lending has been upgraded by internet technology in the network age, and it has incorporated the faster innovation concept of peer-to-peer lending principle.
2. Private lending is a natural ethical constraint based on acquaintance society. In the acquaintance society, it is against the "closed" of fair market transactions, so it is not convenient to stipulate the rights and obligations of both borrowers and borrowers. On the basis of traditional private lending, peer-to-peer lending has increased the elements of commercial operation, making trading behavior tend to be market-oriented and large-scale. By establishing a safe, efficient and honest peer-to-peer lending platform, the lending process is transparent and standardized, and both borrowers and lenders benefit. The picture on the right illustrates the workflow of the online lending platform in detail: the borrower publishes information and the lender participates in the bidding.
3. According to the Opinions of the Supreme People's Court on People's Courts Handling Lending Cases, loans between natural persons, natural persons and legal persons, and natural persons and other organizations are accepted as lending cases, which ensures the organizational form and legitimacy of private lending. However, private lending should also follow some special legal provisions, such as the loan interest rate should not exceed four times the benchmark interest rate announced by the People's Bank of China. As for the relationship between natural persons and loan forms or platforms, there is no legal provision. However, it should be noted that if you deliberately attract others to lend at a high interest rate, use the funds for arbitrage, or cheat others to lend by deception, it will constitute a crime and be investigated for corresponding criminal responsibility.