Du Xiaoman Finance is a regular company.
The products launched by Du Xiaoman Finance are all strictly screened and issued by formal financial institutions, while Du Xiaoman Finance is just an information display platform. Xiaoman Financial's products and services include: money spending, wealth management, and financial APP. Not only that, Xiaoman Finance also meets various regulations and regulatory requirements in terms of information transparency and risk warning. Therefore, it is a more formal salary with high security.
Online lending, mbth is Internet lending, 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.
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 online microfinance. 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 the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.
Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.
What company is Du Xiaoman?
Xiaoman Finance is the original Baidu Finance. 2065438+April 2008, Baidu Finance officially completed the signing of the spin-off agreement, and its brand was upgraded to Xiaoman Finance.
The "Qianhua" of Du Xiaoman Finance is the credit service of Du Xiaoman Finance, and Chongqing Du Xiaoman Microfinance Co., Ltd. is the main lender of Qianhua credit products. It is a non-deposit lending institution established in compliance with regulations and supervised by CBRC and local governments, and all loan products are filed in strict accordance with regulatory requirements.
The daily interest rate of Easy Loan starts from 0.02%, that is, the annualized interest rate starts from 7.2%, and the lowest loan interest rate starts from 1 1,000 yuan per day in 2 yuan. Personal interest rate and quota are calculated by the system according to the information submitted by users and personal credit information, and everyone's interest rate and quota are different. Before formally applying for a loan from Xiaoman Financial APP, you can click "Repayment Plan" on the application page to know the total interest of the current loan, the monthly principal and interest, and the handling fee interest are transparent! ?
Please do what you can, borrow reasonably, borrowing is risky, and you need to be cautious when applying!
Anti-fraud tips:
Liars often post advertisements with unknown links on the Internet, or add users as friends through various channels, send QR codes or links of fake apps to induce users to download and install fake apps, and then ask users to transfer money first for various reasons, such as verifying the flow of funds, freezing accounts, inputting bank cards incorrectly, demanding deposits, withdrawing money, and paying membership fees. If there is such a requirement, the app must be a fake liar platform. If you are cheated of money, please report it to the public security organ immediately.
Is Chongqing Xiaoman Small Loan Formal?
Xiaoman loan 50 thousand personal experience:
Chongqing Dumanman Microfinance is a loan company established on 201510,21. It mainly provides loans, bill discount, asset transfer and other services nationwide (online business outside Chongqing is conducted through the Internet).
Chongqing Duxiaoman Microfinance Co., Ltd., as a non-deposit lending institution supervised by CBRC and local government, is also the main lender of the loan product "Duxiaoman Finance": "Qianhua".
Which loan platform is reliable, with low interest and high pass rate? Loan APP recommended! What are the loan platforms and high quotas that can be used urgently in 2022? Formal loan platforms are fully qualified, and lenders can check whether relevant lending institutions have lending qualifications. Secondly, the formal loan interest is transparent, except for the loan interest, there will be no extra expenses and no beheading.
Top ten loan platforms, top ten conscience loan platforms recognized by the state!
1, Baidu Consumer Finance:
Xiaoman: Borrowers who often use Baidu products can try this kind of credit loan if they are in urgent need of capital turnover. The requirements are not high,18 ~ over 55 years old. Just provide the second-generation ID card and bank card. The daily interest rate is as low as 0.02%, the amount is 500,000 ~ 200,000, and the loan term is 1 ~ 24 months. This loan is flexible and can be repaid when you borrow it.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2.360 Finance:
360 IOUs: The online loan products of 360 branches are borrowed by credit without mortgage guarantee. Borrowers aged 23-55 only need to provide ID cards and bank cards, and the system can quickly review and collect accounts. The maximum amount is 200,000 yuan, the loan period is 3~ 12 months, and it is supported to be repaid as you borrow.
Click online measurement
3. Ping An Consumer Finance:
Ping An Bank's new loan can provide you with a pure credit loan of1-500,000 yuan. The service period is 12, 24, 36 and 48, and the monthly interest rate is between 1. 1.53%.
Ping An Xin Yi Dai Click Online Measurement
Is microfinance reliable?
Small full loans are reliable. The capital turnover is small and complete, with a maximum loanable amount of 200,000 yuan, with a daily interest rate of 0.02% and an annualized interest rate of 7.2%. Borrow 10 thousand yuan a day, and the minimum interest is only 2 yuan. At present, Du Xiaoman and financial institution partners have served more than 10 million small and micro business owners and individual industrial and commercial households. In the next three years, Du Xiaoman will provide 30 million small and micro business owners with reliable comprehensive financial services to realize inclusive finance's dream.
Since its establishment, Du Xiaoman has always been committed to helping small and medium-sized enterprises and the real economy. In solving the problem of difficult and expensive financing for small and micro enterprises, he has continuously exerted the advantages of financial technology through practice and explored an effective path. Not only that, Du Xiaoman always regards reducing the financing cost of small and micro enterprises as one of the strategic goals of the company's development.
If you have more questions, you can find online customer service answers through Xiaoman APP. Remember, there is no deposit or verification fee for borrowing from Xiaoman, but you can take as much as you want. Please look for official loans and beware of counterfeiting and fraud.