What online lending companies are there in Guangzhou: According to incomplete statistics from the Tianyan Research Institute, as of the end of January 2018, the cumulative number of platforms in Guangzhou reached 135, accounting for 14.11% of the total number of platforms in Guangdong. A total of 67 platforms have problems and 68 are in operation.
1. The first batch of 23 online lending platforms in Guangzhou were liquidated
The official website of the Guangzhou Municipal Financial Bureau disclosed that the "Guangzhou Municipal Mutual Finance Rectification Office issued the first batch of special rectification of online lending "Announcement on the List of Voluntarily Exiting Online Loan Business Platforms", 23 Guangzhou platforms were among the first batch to withdraw from the online loan business. According to the time points of previous regulatory disclosures, stock risk mitigation in the online lending field will be basically completed in the first half of 2020. It is foreseeable that the withdrawal of online lending platforms will accelerate in the future. According to the announcement, in accordance with the national special rectification work plan for P2P peer-to-peer lending risks, Guangzhou City carried out the scale reduction and exit of P2P online lending platforms, and the online lending platform exited smoothly and orderly. Recently, the Mutual Finance Rectification Leading Group and the Online Lending Rectification Leading Group jointly held a promotion meeting to accelerate the classified disposal of institutions in peer-to-peer lending. The meeting clearly stated that in the next stage, we must unswervingly and continuously promote the cleanup of industry risks, emphasize the steady and orderly resolution of stock risks, take multiple measures to support and promote healthy exit or smooth transformation of institutions, and effectively protect the legitimate rights and interests of investors.
2. How to identify whether an online loan is legitimate?
1. Whether the loan term and annual interest rate are within the range of my country’s legal interest rates. Many illegal online loan platforms provide short-term loans, that is, the maximum loan period is 6 months and the minimum is 1 month. However, the loan interest is often calculated based on the loan amount for one year, that is, a loan of 10,000 yuan, a period of 6 months, and half-year repayment. 13,600 yuan, but the actual loan term is only 6 months. 2. Whether you have the right to access the user’s credit system. Many platforms do not have access to users’ personal credit records because they do not have relevant loan and lending qualifications. In other words, if you want to know whether the online loan we borrowed is compliant, you can go to the local People's Bank of China Credit Information Center to obtain a credit report, or check our credit record through WeChat to see if this platform is included in our credit record Loan records.
In short, the best way to stay away from illegal online loans is not to move around, suppress your desires, and eliminate a series of bad habits such as early consumption. If you really need funds, you must find a platform with formal qualifications instead of believing in the deceptive advertisements of these illegal online loans.