First of all, companies that can make small loans online generally do one business: capital allocation, and one business is loans. In fact, many online micro-loans can't be done offline before they are transferred to the Internet. The risk of investors is very high. Investors are faced with the risk that borrowers can't repay on time, and microfinance companies can make profits just by a banker's left hand and right hand.

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However, when some small loan companies collect investors' funds, it is difficult to support them if there is no physical store operation offline. Therefore, from the perspective of investment, small loan companies on the investment line are too risky.

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In addition, from the borrower's point of view, there is no risk in borrowing, but it must be said that the interest rate is really too high and horribly high. Previously, many borrowers borrowed money online through opportunistic ways and then refused to return it. These microfinance companies have no choice but to put him on the blacklist of dishonesty, but now the procedures are complete, so this interest rate is very scary.

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One more thing, if the borrower doesn't pay back the money immediately, the phone harassment will not be mentioned. Call you directly, not only your phone number, but also your relatives', and I don't know how they got the contact information. Anyway, they will ruin your reputation until you return it.

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As an investor, you simply can't control the situation. At the slightest sign of trouble, people close the door directly. You can't even see a bird, so there are many fake micro-loans on the Internet, which are really not true.

Introduction of Online Microfinance Platform

First, a pleasant loan.

Pleasant Loan is an online lending platform owned by CreditEase, a professional and established credit company. CreditEase is located in the town and invested by the world's top investment institutions, including Morgan Stanley, IDG Capital and Peng Kaihua Ying. It should be said that the platform has always been very low-key, and the strength is in front of everyone. The transfer and withdrawal efficiency is really high, and the service attitude is also a professional Internet level.

Second, Ali Small Loan

The P2P microfinance model pioneered by Alibaba is led by Alibaba's offline loan company, which provides loans of less than 500,000 yuan. Ali Small Loan is different from the P2P online model we often say. The advantage is that Ali Small Loan is completely connected with the underlying data of Alibaba, Taobao and Alipay, and is applied to small loans through large-scale data cloud computing, customer network behavior and online credit. Credit records, transactions, complaints, disputes and other indicators of small enterprises operating in Alibaba and Taobao 100 are calculated and analyzed in the evaluation system, and finally used as the evaluation standard of loans. As a result, Ali Microfinance combines the characteristics of e-commerce, such as openness, transparency, and recordable data, and solves the problems of asymmetric information and complicated process of loans to individuals and small businesses in the traditional financial industry.

Third, the construction bank "fast loan"

For the "quick loan" of China Construction Bank, the borrower does not need to go to the business outlets of China Construction Bank, just log in to personal online banking, find the "quick e-loan", click "Apply now" and follow the prompts to complete the loan procedures. Borrowers can also log in to mobile banking and click "Quick Loan" to apply.