The loan investigator will conduct a preliminary review of the borrower's needs and qualifications. If the information at the time of pre-trial is true, it will be preliminarily judged that there are potential matching lending institutions, and there will also be telephone investigation links;
audit finding
The network administrator will send an on-site message to the borrower to inform him of the pre-trial results.
A. If the borrower has good qualifications and a matching lending institution, the online loan will be directly recommended to the cooperative institution;
B. If the borrower's qualification is not enough, or the borrower can't match a suitable institution for the time being, the online loan system will post the borrower's loan demand online after blocking the contact information, so as to find more loan opportunities for him.
Extended data:
China news agency, Beijing165438+126 October (Xia Bin) Since September this year, many Internet finance companies in China, represented by credit and fun shops, have submitted IPO (initial public offering) applications to the US Securities and Exchange Commission and successfully listed in the US, most of which include a large number of online small loans.
The online small loan business in China began to take shape around 2007, reaching 20 14. With the maturity of the whole Internet ecology and the strong market demand in China, online small loans have begun to rise, and gradually become a new hot spot of Internet finance, with a large amount of capital pouring in.
By the end of 20 14, only about 10 small loan companies were allowed to conduct business on the internet in China. Since then, the number of online small loan companies has increased year by year. In just 20 16, nearly 60 companies have emerged in China.
Tian, dean of the Institute of Financial Development of Nankai University, believes that some companies engaged in online small loan business go public in the United States. On the one hand, it is difficult for them to meet the domestic listing conditions. On the other hand, the capital market is really optimistic about the long-term development of online small loans. The key is how to ensure the "health" of the industry.
Tian pointed out that after listing in the United States, the above-mentioned companies will face a standardized, complete and comprehensive information disclosure system, which will enable regulators, investors and users to consult and supervise, force enterprises to be open, transparent, legal and compliant, and then amplify their influence through the stock market, which will help improve the overall governance level and transparency of the online small loan industry.
In addition to the market power after listing, China officials are also stepping up the investigation of online small loan risks and the rectification of credit risks.
Recently, China Internet Finance Association issued two articles in succession, and the group standard "Personal Peer-to-Peer Lending for Internet Financial Information Disclosure" increased the number of mandatory disclosures from 65 to 109; The "Risk Tips for Online Small Cash Loan Business" requires institutions that do not have lending qualifications to immediately stop illegal lending.
On June 5438+065438+1October 2 1, the Office of the National Leading Group for Special Remediation of Internet Financial Risks issued an emergency document "Notice on Immediately Suspending the Examination and Approval of Online Microfinance Companies", requiring all provinces to immediately suspend the examination and approval of online microfinance companies and prohibit them from operating across regions.
Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, believes that the fast-growing "cash loan" in the online small loan business is very risky.
"If it is allowed to grow wildly, it may have a greater impact on financial stability and thus social stability." Dong Ximiao said that on the one hand, the threshold of "cash loan" is extremely low, and it is easy to put funds on unsuitable applicants. On the other hand, the interest rate of "cash loan" is abnormally high and opaque.
Xiao Sa, director of China Science & Technology and Financial Law Research Association and lawyer of Beijing Dacheng Law Firm, told the China News Service reporter that an appropriate behavior supervision model is very important for the survival and development of online and small loan enterprises.
It is of positive significance for the sustainable and healthy development of the industry to ensure that its business innovation is carried out within a reasonable range, minimize all kinds of risks, and adjust the tightness of supervision with the changes of supervision means and capabilities.
Online loan _ Baidu Encyclopedia