Easy loans are generally more reliable, and loans should be cautious. Easy to use is a good mobile phone loan software. Software loan is very convenient and the loan threshold is low. Users only need to meet the basic requirements and can easily borrow money when they have a job. Users can freely use the loan amount on the platform, make a second loan after borrowing, and enjoy the loan service at any time. Users can also increase their loan amount on the platform. As long as they repay on time, they can increase the credit line, repay in advance and save unnecessary expenses.
1.The main reasons for running and cheating on P2P platform are:
The intermediary account lacks supervision, and the P2P platform has the right to allocate funds in the intermediary account. Intermediate account is set up for transaction verification and posting, and its establishment is a necessary link of P2P platform. However, at present, the intermediate fund accounts of domestic online lending platforms are generally in a regulatory vacuum, and the right to allocate funds is still in the hands of the platform. If the time difference and terms are not strictly controlled, the moral hazard such as "absconding with money" caused by the deposit of funds in intermediate accounts will be great.
Domestic P2P online lending platforms generally open intermediate fund accounts in banks and third-party payment platforms to realize intermediate transfer settlement. The general attitude of fund custodians is to allow accounts to be opened, but not to allow supervision. The regulatory authorities can consider appointing a custodian to be responsible for the intermediary fund account, so that the platform can only view the account details and cannot call the funds at will. In addition, a professional certification body can be established to certify the security of funds independently of the P2P platform.
Second, the supervision of online lending policy
Because P2P online lending is still a new industry in China, the state has not regulated it. Undoubtedly, P2P online lending can help solve the financial problems of SMEs. As a kind of private lending, although the loan cost is high, the time for funds to arrive in the account is fast and the loan threshold is lower than that of banks, which is the reason for enterprises to choose, especially to solve the short-term temporary capital turnover.