1, business society and business behavior are both interest-driven. After several years of crazy traffic competition, major APP companies have accumulated a considerable number of users. In addition to its own business, the use of financial realization has also become the main means of profit for major platforms in the past two years.

The general profit sharing standard for loan diversion is 2%-3% of the amount of credit or the first loan. Of course, some Internet companies have started financial services themselves.

Not that financial business is usury, but because users do have this demand. In fact, many users can't borrow money from banks, and the birth of financial institutions such as consumer finance has enabled these users to enjoy the convenience of inclusive finance.

2. The cost of financial diversion business is relatively small, and the income is relatively direct. The main form of cooperation between these internet platforms and financial institutions is to guide the loan platform as a traffic party, and it does not involve the loan business itself. Some of the costs of Internet companies are actually quite heavy. As a loan supervisor, it is also a way to ease the pressure on funds.

To sum up, as a loan supermarket or a diversion channel docking lending institution, the Internet platform is a relatively fast means of profit, so now more and more Internet platforms are connected to the loan entrance, and there are also many confusing phenomena that induce applications.

However, with the stricter supervision, I believe that there will be fewer and fewer chaos in this area and more and more standardized.

In addition, consumers are advised to keep their eyes open, distinguish between compliant and non-compliant lending platforms, choose carefully, consume rationally, live within our means, and use financial instruments rationally.