This is a fake. The formal loan platform does not need this fund and can be ignored. First of all, you have to make clear whether the online loan is borrowed from the bank. If you don't borrow directly from the bank, why do you want the bank to see if you have the repayment ability? Secondly, the repayment ability is never measured by the existing funds, but by the name of the industry, work income, credit history and so on. If you have money, who will get a loan? Therefore, the bank's ability to measure repayment is not measured by the amount of cash in the card. Finally, banks will definitely handle loans offline, and it is unrealistic to handle bank loans online. Like other lending institutions, this large sum will also be part of the telegram. There are many scammers operating online. In the name of borrowing money, the purpose of illegally occupying other people's property is achieved by means of "inflating debts", "getting money to run away", "arbitrarily identifying breach of contract", "transferring money" and "false litigation". When you are not sure whether they are liars or not, the most important points are verification code and transfer. No matter what the name is, you will be asked to transfer money or ask for your mobile phone verification code or bank card verification code and so on. Whatever you want, it must be. It is suggested that you stop the loan operation or provide relevant evidence for alarm handling, and try to borrow money through proper channels.

1. Risks in peer-to-peer lending: 1) Lack of supervision over the sources of funds. 2) Lack of bank credit system and overdue repayment often occur. 3) The security of the deposited funds is low, which may be misappropriated by other personnel such as websites. 4) The borrower is easily suspected of the crime of illegally absorbing public deposits and the crime of setting up financial institutions without authorization. 5) The interest rate in peer-to-peer lending sometimes far exceeds the stipulated interest rate. Once the economy occurs, the lender cannot maintain this part of interest.

2. Risk Prevention of Peer-to-Peer Lending: 1) Put on record according to law, and apply for the corresponding telecom business license according to the relevant regulations of the competent communication department after filing. 2) Review the qualifications of lenders and borrowers, the authenticity of information and the authenticity and legality of financing projects. 3) When the peer-to-peer lending platform uses a third-party digital authentication system, it should regularly evaluate the third-party digital authentication institutions to ensure that the relevant authentication is safe, reliable and independent.

Don't trust the loan advertisement easily. Some fake and shoddy advertisements on P2P lending platform lure college students to register and get loans, claiming that they can help students solve their basic study and life difficulties at school. In fact, such advertisements can easily lead students to fall into the trap of "serial loan". Don't believe such advertisements.

Is WeChat loan credible?

Whether the WeChat loan is credible depends on what kind of loan products the borrower handles on WeChat. Generally speaking, borrowers can apply for micro-loans. Micro-loans are loan products launched by WeChat officials for users, which are credible. Borrowers can also apply for loans through the official WeChat account, which pays attention to various online loan products. However, at present, online loans are mixed, not every loan product is credible, and borrowers should be cautious.

Is WeChat loan reliable?

Nowadays, smart phones have spread to people's lives, and then friends and chat tools such as WeChat and Momo have also appeared in our field of vision. But now, WeChat is not only a tool for chatting, but also has a series of functions such as issuing red envelopes, borrowing money and lending. Even though this mobile application has so many benefits, many cautious people are still worried. Is the WeChat loan true? Is it reliable?

Let's answer your first question first. Is the WeChat loan true?

In fact, there are many products on WeChat. In addition to micro-loans under Tencent's name, products of other credit institutions abound, but they all apply for loans through WeChat official accounts, so WeChat loans are real. However, you need to know the following points.

1. Microfinance is the flagship product of Weizhong Bank, which is also owned by Tencent. It has certain requirements for applicants, and the open list has not been popularized.

2. The rest are platforms based on WeChat official account, allowing users to APPly for loans directly through the menu bar of WeChat official account, or download the app from the menu bar and then apply.

3. Whether the loan on WeChat is true or not, we must first recognize whether the registered subject of WeChat official account is the company to which the product belongs, and avoid being deceived in the mixed WeChat official account.

4. To understand the loan products, if the loan funds are supplemented by retail investors, it is easy to get approval but the funds are in place slowly.

5. Although many WeChat accounts arrive quickly, the interest is relatively high, so the loan should be cautious.

After understanding the authenticity of WeChat loan, let's see if WeChat loan is reliable. Below, I will explain it to you with a real example in life.

Beipiao likes to chat online in quiet and free time to kill time. Later, she got to know Liang Xiao through WeChat, and they chatted through WeChat every day. With the deepening of the conversation, Liang Xiao learned that she secretly wanted to buy a car, but because the full amount was not enough, she wanted to borrow 50,000 yuan to buy it.

Hearing the request for a loan quietly, Liang Xiao said that she can mortgage her bank card and help her get a loan from the bank, but this requires quietly depositing 50,000 yuan into his card first, and then returning the money to her after the loan is successful. I heard that Liang Xiao could help him with a loan. He trusted each other quietly. Without much thought, he remitted 50,000 yuan to each other.

Later, I waited quietly for news from Liang Xiao, but there was no result after a few days. After taking the initiative to contact, I found that the other party has been turned off. After quietly consulting a skeptical person, I learned that the loan method mentioned by Liang Xiao doesn't exist at all. So she quickly went to the police station and reported the police.

This case tells us that when talking to strangers, we must be vigilant, because it is probably money that "shakes". I would like to remind borrowers that it is convenient to apply for a loan through WeChat, but it must be based on finding the right lending institution. Generally speaking, formal lending institutions must lend money first and then charge. Therefore, we must stay away from "lending institutions" that violate this standard.

Wechat is ok. Is it reliable to borrow money?

Reliable.

You can know that WeChat borrowing money is reliable by entering the instruction to borrow money.

It is necessary to know whether the registered subject of the official WeChat account is the company to which the product belongs, so as to avoid being deceived in the mixed official WeChat account. To understand the loan products, if the loan funds are raised by retail investors, it is easy to be approved but the funds are in place slowly. Although many WeChat accounts arrive quickly, the interest is relatively high, and the loan needs to be cautious.

Is it safe to borrow money from WeChat microfinance?

It's quite safe. Because "micro-loan" is a product of Tencent, and Tencent is also a big company with a good reputation. Micro-loan is only a micro-loan product with a quota of 50,000-200,000, and the interest rate is lower than that of ordinary credit cards.

There is also microfinance, which you can't use if you want. At present, only some people can use micro-loans on WeChat, so you have to improve your credit on WeChat.

Micro-loan is a personal credit loan product jointly launched by Weizhong Bank and Tencent. You don't need to provide mortgage or guarantee to apply for a loan, but not everyone can use micro-loan to handle the loan business, because micro-loan currently adopts the white list invitation mechanism, and only invited users can open micro-loan. Micro-loans currently support loan quotas ranging from 5 million to 300,000.

The micro-loan system will evaluate the user's personal qualifications, credit and WeChat usage, and then grant the user a certain credit line, which the user can recycle. At present, micro-loan supports three options: 5,/kloc-0, 0 and 20, and supports repayment at any time. Note that micro-loans bear interest on a daily basis, with a daily interest rate of 0.05%. For example, if you borrow 10000 yuan, the daily interest will be 5 yuan, so you should borrow it according to your repayment ability.

Wechat micro-loan belongs to the loan product of Weizhong Bank. Usually, bank loan products will receive credit information, but only after users apply for loans can they repay on time and maintain a good repayment record, which will not affect personal credit.

If the user fails to repay within the specified repayment period after applying for a loan from micro-loan, the overdue repayment will be recorded in the user's personal record, leaving a stain on the user's personal credit. After that, whether the user applies for a loan or a credit card, it may be affected. Micro-loans will charge overdue interest, with overdue interest = default interest on the daily interest rate of overdue principal, and default interest = 50% of the daily interest rate of overdue principal. For example, the overdue principal is 2000 yuan and the daily interest rate is 0.05%. For one day overdue, the fee to be paid is 20000.05%120000.05% 50%1=1.5 yuan.

This is the end of the introduction about whether the mobile phone WeChat loan is safe and whether the loan is safe in WeChat. I wonder if you found the information you need from it?