This platform is responsible for the self-regulation of Internet finance. China People's Bank, together with China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission, is a national self-regulatory organization of Internet finance industry.

At present, there is no official telephone number, and complaints can be submitted through the "reporting platform" and "email".

Reporting platform: the entrance of the home reporting platform

E-mail :contact@nifa.org.cn.

Peer-to-peer lending means that borrowers and lenders borrow money on the Internet platform, while peer-to-peer lending mainly uses small loans, which originated in Europe and America during the financial crisis. Peer-to-peer lending has a certain effect in alleviating short-term capital seeking, risk financing and opening up personal investment channels. In fact, peer-to-peer lending is not difficult to understand. All processes such as authentication, bookkeeping, liquidation and delivery are completed through the Internet. Both borrowers and borrowers can achieve the purpose of lending without leaving home, and the amount is generally not high, and it is pure credit lending.

risk control

The risk of P2P loan is self-evident. Assuming that there is no problem with P2P network intermediary, the biggest risk comes from the debtor's failure to pay back the money on time. Therefore, the domestic mainstream peer-to-peer lending platform limits the loan amount by evaluating the borrower's credit, which can effectively avoid risks, such as houses, cars and other properties. This also requires us to have a better understanding of the borrower's information and background when re-lending, such as browsing information on relevant websites.

loan

Include credit score and credit rating. The credit score also corresponds to the corresponding credit rating. Each user has his own credit score and corresponding credit rating.

Credit score

The usual credit score ranges from 0 to 100, that is, from lack of credit information at the beginning to excellent credit. Borrowers may get a negative credit score due to many bad credit behaviors such as overdue and breach of contract and other bad behaviors that reflect personal credit (such as fraud). The credit score mainly comes from our evaluation of users in four aspects:

1) Personal information;

2) Personal financial information;

3) Personal credit history and credit behavior records;

4) Other relevant personal behavior records (such as whether there is a criminal record).

Credit score and grade

The factors that affect the credit score and grade include: information quality, that is, the integrity, detail and accuracy of information; Whether the information has been verified; Different information and different verification methods have different degrees of importance (that is, credit score); There is interaction between different information, not a simple superposition relationship. More, more complete, more accurate and more detailed information, that is, higher quality information can get higher credit score; More successful verification can bring greater scores to the verified information; More and better personal credit records, such as good loan and repayment records, can bring more credit scores.