Reliable and easy to enjoy flowers is a loan product of CreditEase Microfinance Company. Many customers have applied for the next loan. After all, many big cities have stores of CreditEase Microfinance Company offline. This loan is a pure online loan product of CreditEase. Moreover, there is no subsequent call in the whole loan application process, which belongs to the system audit loan opening. After the data is submitted, the amount is basically fixed in seconds. As long as you can apply for the quota, the loan will be basically stable after signing the contract. You can arrive in about ten minutes after signing the contract. The speed of loan issuance and review is also relatively fast. Yi Xianghua's requirements for customer qualifications are still relatively low, and she does not check the credit information when applying. Many customers with poor credit information have successfully repaid their loans, but when applying for loans, they will query 100 bank credit information big data. If the customer's credit information is not good, it will definitely have a great impact on applying for a loan. Should spend more money, basically between 5000 and 10000. If the customer repays normally, there will be opportunities to increase the quota in the future. Customers with provident fund or punch-in salary can also certify to increase the loan amount. The probability of increasing the amount of provident fund is still very high. After many certificates are issued, the amount will increase by about 20,000 to 30,000. There are more suitable flowers at the entrance.

Peer-to-peer lending refers to the borrowing and lending of funds by both borrowers and lenders on the Internet platform. Online loans are mainly small, which originated in Europe and America during the financial crisis. P2P lending has made some achievements in alleviating short-term capital seeking, risk financing and opening up personal investment channels. In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Both borrowers and borrowers can make loans without leaving home.

Moreover, the general amount is not high, unsecured, pure credit lending. As an ancient financing method, private lending has been upgraded by internet technology in the network age, and it has incorporated the faster innovation concept of peer-to-peer lending principle. The foundation of private lending is the natural ethical constraint of acquaintance society. In an acquaintance society, it is against the "closure" of fair market transactions, so it is not convenient to stipulate the rights and obligations of both borrowers and lenders.

On the basis of traditional private lending, peer-to-peer lending has increased the elements of commercial operation, making the trading behavior tend to be market-oriented and large-scale. By establishing a safe, efficient and honest peer-to-peer lending platform, the lending process will be transparent and standardized, and both borrowers and lenders will benefit.

According to the Supreme People's Court's Opinions on People's Courts Handling Lending Cases, loans between natural persons, natural persons and legal persons, and natural persons and other organizations are accepted as lending cases, which ensures the organizational form and legitimacy of private lending. However, private lending should also follow some special legal provisions, such as the loan interest rate should not exceed 4 times the benchmark interest rate announced by the People's Bank of China. As for the relationship between natural persons and loan forms or platforms, there is no legal provision. However, it should be noted that if you deliberately attract others to lend with high interest rates, and use the funds for arbitrage, or cheat others to lend by deception, it will constitute a crime and be investigated for corresponding criminal responsibility.