1. Are online loans private loans?

peer-to-peer lending belongs to non-governmental lending: the definition of non-governmental lending refers to lending between citizens, between citizens and legal persons, and between citizens and other organizations. As long as the intention of both parties is true, it can be considered valid, and the mortgage generated by the loan is correspondingly valid, but the interest rate shall not exceed the relevant interest rate stipulated by the People's Bank of China. Private lending is a direct financing channel while bank lending is an indirect financing channel. Private lending is an investment channel of private capital and a form of private finance. Since 23, the state has gradually liberalized the restrictions on private micro-credit and formulated a series of supporting policies, which has enabled folk credit's industries to develop rapidly. Advantages: it is timely, simple and flexible, and plays a role in filling the gaps in bank credit. Disadvantages: Online loans, private loans and software APP loans are now chaotic and risky < P > Second, does P2P belong to private lending?

It is certain that p2p does not belong to private lending:

1.p2p has a clear positioning and belongs to a financial information service platform;

p2p is currently positioned as a financial information intermediary service platform, which belongs to the matchmaking type and is different from private lending;

2. A financial type recognized and supported by the state;

a financial form recognized by the state is a supplementary form of banks;

3. Using different media, relying on the Internet platform;

p2p relies on the Internet, which is very different from traditional private lending.

4. The annualized rate of return is strictly controlled. At present, the annualized rate of return of the industry is around 1%, which reduces the financing cost of borrowers.

You can look at online financing. On the whole, many platforms are the same as it. I hope it will help you.

third, does online lending belong to private lending?

online lending is a kind of private lending. Private lending refers to the behavior of financing among natural persons, legal persons and other organizations, rather than financial institutions and their branches engaged in loan business established with the approval of financial supervision departments. Direct lending on the platform of individual peer-to-peer lending belongs to the category of private lending.

IV. Does online lending belong to private lending?

peer-to-peer lending belongs to private lending:

The definition of private lending

means that citizens, citizens and legal persons, and citizens' parties can be considered valid if their intentions are true, and the mortgage generated by lending is valid accordingly, but the interest rate shall not exceed the relevant interest rate stipulated by the People's Bank of China. Private lending is a direct financing channel while bank lending is an indirect financing channel. Private lending is an investment channel of private capital and a form of private finance. Since 23, the state has gradually liberalized the restrictions on private micro-credit and formulated a series of supporting policies, which has enabled folk credit's industries to develop rapidly.

advantages: it is timely, simple and flexible, and plays a role in filling the gaps in bank credit.

Disadvantages: Now online loans, private loans and software APP loans are in chaos, which is very risky.