Under normal circumstances, the payment will be made within 2 hours, and individual banks will be delayed, and the account will be received within 24 hours at the latest. Online loans are cautious, and many online loans are not reliable.

P2P online lending, or peer-to-peer lending, refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. The number of online lending platforms grew rapidly in China in 212, with about 35 active platforms so far, and the total number had reached 3,54 by the end of April 215.

The risks of online loans are as follows

Qualification risks:

Online loans are different from financial institutions. Financial institutions are managed by "net capital". Both banks and trust companies must have their own registered capital, ranging from several hundred million to several hundred million, and the registered capital is not used for business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guiding opinions, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought a platform virtual borrower and virtual mortgage items to attract investors to invest at high interest rates. High interest rates are generally at least 3% per year, and individual platforms reach 5% to 7%.

Managing risks:

P2P peer-to-peer lending seems simple, but it is actually a more complicated model than banks and other financial institutions. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not reached a mature stage. Many investors and borrowers do not treat this kind of financial product correctly, but just go for high returns, while those who need funds rush to cash out.

As an online lending company, its original intention is only to make profits, and its organizational structure lacks professional credit risk managers and the knowledge and qualification of loan risk management. Therefore, it is difficult to grasp and handle the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.

capital risk:

it is also very important to pay attention to a P2P online lending platform and the investor's capital flow. Many online lending platforms not only fail to adopt a third-party fund management platform, but also can use investors' funds. In particular, some online lending platform bosses borrow tens of millions of dollars from the platform for their own business operations, so as to achieve self-borrowing and self-use, and the risks are not controlled or borne by anyone. The huge financial risks hidden behind them can only fall on the investors, which is also the reason why many platforms can run away.

at present, the safest way is to put investors' funds on a third-party payment platform for supervision. As a platform, we should strictly control the use of investors' funds. Only in this way can we increase the protection of investors' funds.

technical risk

the progress of information technology often leads to new and more forms of security threats. with the vigorous development of online lending industry, most platforms are buying templates, which can not guarantee complete maturity and perfection during technical transformation, and there are security risks. However, the platform boss does not pay attention to technology, and would rather spend hundreds of thousands on marketing than technology, thus greatly affecting the stability of computer system operation.

the existence of technical loopholes leads to the constant risk of malicious attacks. Such as computer hacking, attacks on platforms, modification of investors' account funds, virtual recharge and real cash withdrawal have gradually emerged. In particular, because online lending is a new business, the relevant laws and regulations are very scarce, and hacker attacks and threats to the platform frequently occur, which seriously affects the stable operation of the platform.