Correspondingly, the rise of a number of online lending platforms has also made great contributions to the popularization and promotion of online lending. Strong institutional support, because online lending must occur on the network platform, and banks must build a strong credit system to support it. This system must be able to accept loan applications, comprehensively analyze customers and finally issue loans. Due to the huge daily transaction volume of C2C platform, the manpower, material resources and financial resources spent by this powerful system are unbearable for any commercial bank. Therefore, relevant government departments and trade associations must coordinate and communicate, so that every commercial bank can participate. With the expansion of such loans, the final loan cost will have a great cost advantage over conventional loans. The characteristic of online lending is 1, and the virtual nature of online transactions leads to the inability to authenticate the credit status of both borrowers and borrowers, which is prone to fraud and breach of contract disputes. 2. A lot of lender information published on the Internet platform is in the name of "loan company" and "financing company". In fact, financial institutions must be approved by the state to engage in financial services such as credit financing. Those who engage in financial activities without authorization are often punished for "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management. 3. If loans are issued on behalf of the network platform, if the network platform neglects self-discipline, or the internal control procedures fail, or are used by others, there may be cases of fabricating loan information and illegally raising funds. There is a problem. Question 1: there is no law to follow. The interest rate in peer-to-peer lending sometimes far exceeds the prescribed interest rate, and once an economic dispute occurs, the lender cannot safeguard this part of the interests. Question 2: It's easy to get old. Due to the lack of bank credit system, overdue repayment sometimes occurs. Question 3: Crime space. "Bad debts" often appear in peer-to-peer lending, and some are even suspected of economic fraud. In addition, peer-to-peer lending can easily become a tool for "illegal fund-raising". The scam is characterized by 1 and the company name is relatively large. The so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow such companies to register their names. 2. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards. 3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China. 4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card. 5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on. 6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is. Is there a reliable online lending platform? At present, the construction of online lending platform seems to be the best in Zhejiang Province, with the support of the government and enterprises. From Alibaba to the World Wide Web, which later focused on online lending services, they are among the best. Different from Alibaba, World Wide Web is a new professional online lending platform, which has deep cooperation with banks (mainly CCB at present). It follows the principle of charging customers a certain fee after the loan is successful, and the process is transparent.