Network loan
Online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet. On 2017165438+10/2 1 day, the office of the leading group for special work on internet financial risks issued the notice on immediately suspending the examination and approval of online small loan companies, and decided that the supervision departments of small loan companies at all levels should not approve new online small loan companies, and it is forbidden to approve new small loans across provinces (autonomous regions and municipalities). 2065438+On August 8th, 2008, the National Mutual Fund Remediation Office issued the Notice on Submitting the Debt Evasion Information of P2P Platform Borrowers to all provinces (autonomous regions and municipalities directly under the Central Government) and Shenzhen Mutual Fund Remediation Office, requesting the P2P platform to submit Lao Lai's information as soon as possible. 2065438+September 4th, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of Credit Information System in P2P Online Lending, which supported the operating P2P online lending institutions to access the credit information system.
Online loan risk
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 investigated for "illegal fund-raising" and "illegal absorption of public deposits" and disrupting the order of financial management.
3. If the loan is issued on behalf of the network platform, if the network platform neglects self-discipline, or the internal control procedure fails, or is used by others, there may be cases of fabricating loan information and illegally raising funds.