1, piggy bank loan: To apply for piggy bank loan, the applicant must be between 20 and 50 years old and submit personal information such as ID card, mobile phone operator, mobile phone contact person, savings card and work information. The loan amount for goods is usually 30,000 yuan, and the term is 12. After approval, the loan will be released on the same day as soon as possible.
2.58 fast loan: the maximum loan amount brought by 58 fast loan to customers is more than 200,000 yuan, and the service life is 6- 12 months. The applicant is between the age of 18-55, and can submit personal information such as ID card, facial recognition, savings card and mobile phone contact information to apply. After submission, pay attention to connect the phone and call back.
3. Yang Xiao: After the user submits the application, Yang Xiao will pay a phone call back, and the loan will be released on the same day after approval. Applicants are required to be between 22 and 55 years old and can submit personal information such as ID card, Taobao, bank card and contact person. The product loan amount is less than 20,000 yuan, and the service period is 12.
4. Fun money: As long as the age is between 20 and 50, and the real-name mobile phone number has been used for more than 5 months, users who can submit personal information such as ID card, mobile phone operator, education, contact person and bank card can apply. The maximum loan amount of this product is 200,000 yuan, and the service period is 3-24 periods.
5. Business Easy Loan: Applicants need to submit personal information such as ID card, mobile phone operator, contact person, face recognition and bank card. The maximum loan amount of this product is 200,000 yuan, and the service life is 6- 12 months. At present, there is no telephone call back, and the loan will be released on the same day as a batch of loans comes down.
6. Baidu has money to spend: it is an online lending platform with simple application, quick review and high credit line, with a maximum credit line of 200,000 and a maximum service life of 24 months. Non-student customers aged 65,438+08 ~ 55 can get a loan by giving themselves a second-generation ID card. Whether they can pass the exam depends on their comprehensive scores. The higher the score, the easier it is to borrow. There are examples of white household loans, such as
Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer 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, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.
By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.
Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.
Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".