The interest rate of Xueshan loan sometimes far exceeds the stipulated interest rate. Once an economic dispute occurs, the lender cannot maintain this part of interest. Due to the lack of bank credit system, overdue repayment sometimes occurs. In addition, some peer-to-peer lending can easily become a tool for "illegal fund-raising". Be very careful.
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Benefits of Snow Mountain loan with withdrawal code:
Snow Mountain loan has the functions of promoting consumption, supporting the development of small and medium-sized enterprises, opening up financial markets, promoting the marketization of interest rates, maximizing the utilization rate of funds, and making financial markets fair and transparent. It has an innovative definition of the secured credit model, risk control and financing price in the financing market. Play an efficient, convenient and safe role in personal finance business.
At the China Summit of Internet Finance, Liu, deputy governor of the central bank, said that the two bottom lines of Internet finance should not be touched: one is to illegally absorb public deposits, and the other is to illegally raise funds. With the bottom line and upper limit set by the state, Xueshan Loan can operate according to the actual situation and never touch it to achieve better financing services for SMEs.
Risks of peer-to-peer lending such as Snow Mountain Loan;
1, the virtual nature of online transactions makes it impossible 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.
The characteristics of fraud in peer-to-peer lending such as Xueshan loan;
1, the company name is relatively large, so 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 the registration of such company 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.
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