Formal online lending platform:
1. pleasant loan was launched by creditease company in 20 12 and listed on the new York stock exchange in 20 15.
2. Renren Loan, a loan platform owned by Xinyoujinfu, was established on 20 10 and is one of the earliest online lending platforms in China.
3. China Ping An's platform, lufax, was established in Shanghai on September 20 1 1, and was supported by the Shanghai Municipal Government.
4. Paipai Loan was established in June 2007 and listed on NYSE on 20 17. It is the first online lending platform in China.
What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and lending it to others, commonly known as online lending, but some online lending is safe. It is also a formal channel, and some online loans are informal channels, just like a quilt. These are all formal channels, and the interest is relatively low. So if you borrow money from others online, which is also called online loan, then this kind of online loan is more dangerous, and online loan is also an informal online loan.
I borrow money purposefully and regularly. For example, if I use normal loans and repay them normally, then I think this online loan is a normal thing, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may lead to the ruin of your family and the next debt. What about things like this? It also happens from time to time If you borrow money blindly, you will owe online loans, which will lead to family destruction. Because some of them are irregular, the interest on online loans is particularly high, and finally you can't afford this price. It's simple.
What are the lending institutions?
With the development of economy, people's material life is getting richer and richer, and the requirements for quality of life are getting higher and higher. Demand for consumer loans such as buying a house, buying a car and traveling is also increasing. So what are the current lending institutions?
1, bank. Commercial banks, commercial banks generally only do short-term lending business. The loan term shall not exceed one year; Rural banks mainly provide financial services for local farmers, agriculture and rural economic development; Policy banks generally offer preferential treatment in terms of loan scale, term and interest rate.
2. Theme financial companies. Auto financing company, a non-bank financial institution that provides financial services for car buyers and consumers; Consumer finance companies are non-bank financial institutions that provide loans to individuals for the purpose of consumption.
3. Private lending institutions. A company that does not take deposits from the public enjoys the property of an independent legal person and bears civil liability for its debts with all its property; Pawnshops, commonly known as pawn shops, are issued by informal marginal financial institutions.
4. Non-bank financial institutions. Loan company, a limited liability company fully funded by domestic commercial banks or rural cooperative banks; Insurance companies, loans provided by insurance companies to enterprises; Finance companies are mostly subsidiaries of commercial banks, mainly absorbing deposits and then issuing loans; Trust company is a financial product with variable interest, which is generally affected by the capital demand of investment projects.
The above is an introduction to the relevant contents of lending institutions. No matter what kind of lending institution you choose, you must carefully compare and choose the one that suits you better.
What formal loan companies are there online?
10 Official online loan approved by the state:
1, Immediate Finance: Formal licensed consumer finance, supervised by CBRC.
2. BOC consumer finance: formal consumer finance with banking background, with low interest on loan products and certain competitive advantages.
3. Loan: The loan in Alipay is a credit loan product under Ant Financial, and the interest of the product is based on the lender's credit. Qualification adjustment, the minimum daily interest rate is 0.0 15%.
4. Baidu has money to spend: the daily interest rate of Baidu credit loan products is 0.05%.
5, 360 IOUs: Qihoo 360' s loan product, with an interest rate of 0.027%, belongs to a low-interest online lending platform.
6. Zhaolian Finance: The daily interest rate of good-term loans under Zhaolian Finance is between 0.029% and 0.05%.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement
I want to get a loan, but I don't know which lending institutions are there.
In real life, we always need money more or less urgently, and only when we use it do we find that we hate less. When you need money badly and want a loan, you don't know which lending institutions are available. Then I will introduce several lending institutions, hoping to help everyone.
What are the lending institutions?
I. Banks
(1) Commercial banks, which generally only do short-term lending business. The loan period shall not exceed one year.
(2) Village banks mainly provide financial services for local farmers, agriculture and rural economic development.
(3) Policy banks generally give preferential treatment in terms of loan scale, term and interest rate.
Second, the theme of financial companies
(1) auto financing company, which provides financial services and non-bank financial institutions for car buyers and consumers.
(2) Consumer finance companies are non-bank financial institutions that provide loans to individuals for the purpose of consumption.
Third, private lending institutions.
(1) The company does not absorb public deposits, enjoys the property of an independent legal person, and bears civil liability for debts with all its property.
(2) Pawnshops, commonly known as pawn shops, are issued by informal marginal financial institutions.
Four. Non-bank financial institutions
(1) The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.
(2) Insurance companies, loans provided by insurance companies to enterprises.
(3) Finance companies, mostly subsidiaries of commercial banks, mainly absorb deposits and then issue loans.
(4) Trust company is a financial product with variable interest, which is generally affected by the capital demand of investment projects.
The above points are the relevant information of lending institutions summarized for everyone. I believe everyone will have a certain understanding after reading it. No matter which lending institution you choose, you must carefully compare and choose the one that suits you better.