Although online loans are very convenient, many informal online lending platforms make borrowers with capital needs more cautious when choosing online loans. 36 IOUs is a consumer credit brand under 36 Financial Group. Today, we will analyze the loan platform of 36 IOUs, and see whether 36 IOUs are safe and legal from four aspects: loan qualification, loan requirements, loan interest and privacy protection. In terms of lending qualification: enterprises must obtain the qualification to operate lending business according to law if they want to conduct lending business. The lender of 36 IOUs is Fuzhou 36 Network Microfinance Co., Ltd. The business scope of the enterprise covers all kinds of microfinance, loans entrusted by banking institutions and other businesses approved by the Fuzhou District Management Committee of China (Fujian) Pilot Free Trade Zone, and it is qualified to operate lending business. In terms of loan requirements: 36 IOUs rely on 36 Group's advanced big data risk control technology, based on the borrower's social networking data, and at the same time need to authorize the inquiry of the borrower's credit report. After the borrower's credit evaluation, only those who meet the loan requirements can get loans. In terms of loan interest: According to the Supreme People's Court's regulations on loan interest rate, the legal interest of loan should be below 36% of the annual interest rate. The daily cost of 36 IOUs is generally about .3%, and the annual interest rate fluctuates from 9% to 3% (subject to the approval results), which is in line with the annual interest rate of loans below 36%. If the annual interest rate exceeds 36%, you can bring a lawsuit to the court. In terms of privacy protection: relying on 36 cloud security system and professional security technology team, we adopt multiple security technologies to protect users' data security, privacy security and account security. As a well-known Internet security company in China, 36' s privacy protection ability is beyond doubt. From the aspects of loan qualification, loan requirements, loan interest and privacy protection, 36 IOUs are legal and compliant. I believe everyone has their own judgment on whether 36 IOUs are safe or not. Borrowers should measure their repayment ability, and do not over-borrow, so as to avoid overdue repayment affecting credit information. Minimum quota: up to 2,. Apply immediately.