The annual interest rate of a better platform is around 10% to 20%. Almost all the annual interest rates are around 35%. There are also some black online loans.

Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 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 P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Introduction:

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.

Which bank has such a high interest rate?

At present, the financial products with relatively high interest rates on the market mainly include P2P peer-to-peer lending and consumer credit. Among them, the annual interest rate of P2P peer-to-peer lending is usually above 10%, but it is risky; Consumer credit is relatively more secure, and the annual interest rate is also around 10%. However, it should be noted that high interest rates are often accompanied by high risks. Investors should fully understand product information and risk warnings before investing to ensure their own investment safety. At the same time, when choosing products, we should also consider our own risk preference and financial strength, and rationally allocate assets to achieve the best financial management effect.

6.8.88% annualized interest rate is high?

! The annual loan interest rate of 8.8%, that is, one year in 800 yuan/kloc-0.0 million yuan, is not high, or even very low. The comparison is as follows:

1. The loan interest rate of business loans from banks to enterprises and individuals is generally 30% higher than the benchmark interest rate, that is, 4.35% × 1.3 = 5.655%, but bank loans are not easy to obtain.

2. The cash withdrawal rate of bank credit cards is 0.5 ‰, which is 1 10,000 yuan a day in 5 yuan and 365× 5 = 1825 yuan a year, that is, the annual interest rate is 18.25%, and it is also included in compound interest, which is actually more than this figure.

3. The loan interest rate of bank credit loans (such as the universal fund of Shanghai Pudong Development Bank) is about 10%, but the principal of credit loans should be repaid in installments (for example, the loan term is 120,000, and the loan term is 1 year, and it should be repaid in installments of12, and the principal should be repaid in installments/kloc-

4. The loan interest rate of online lending (P2P) varies from 12% to 20%, but online lending, like bank credit lending, repays the principal and interest of all loans in each period, and the actual lending rate is above 20% or even 30%.

5. Alipay loan: According to personal credit score and credit situation, the daily interest rate of loan is between 1.5-6/ 10,000, of which 3/ 10,000 -5/ 10,000 is the highest (i.e. 10.95%- 18.25%).

This concludes the introduction of p2p loan interest rate and p2p loan interest. I wonder if you found the information you need from it?