Don't borrow if you are not familiar with it, because there are criminals on the loan treasure who use the identity of the lost ID card to defraud.
Borrowing still needs to go through formal channels to prevent being cheated.
Extended data
I. Overview of Lending Treasure
Lending Bao is a platform under Renren Technology, which has created a friend lending model in the industry, supported personal lending, and let some institutions arrange people to borrow.
Lending treasure is a pure intermediary platform, which mainly matches the transactions between borrowers and lenders. It is a comprehensive lending service tool, and the platform will charge 5% fees, mainly including write-off and extension services.
Where is the most reliable and direct loan? Moreover, compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend. However, when applying for online loans, we should pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.
Second, the business model of Lending Bao:
1, electronic loan contract platform. Borrowing money between relatives and friends, sometimes I can't save face to write a loan contract. It provides platform services. Both parties can book electronic contracts through Lending Treasure, which can call for debts. The profit points are mainly service fees, mainly debt collection fees and legal fees for overdue court proceedings. The service fee is borne by the debtor, and the creditor only needs to lend money, which is equivalent to the creditor's one-stop service platform.
2. Microfinance business. This is similar to JD.COM's gold bars and ant lending business. There is nothing to say.
Some people are obsessed with the problem of not getting credit after borrowing. Here's an explanation:
(1) If the application is for micro-loan business, it is the money borrowed from the lending institution. If you don't pay it back, you may get a negative credit. Then once it is listed as bad information in the credit report, whether it will be rejected in the future financial application becomes very important. Because bad information and illegal records will exist in the credit report. Sometimes some bad credit reports won't give you loans.
(2) Borrowing from others through the platform will not be counted. But you must pay attention here! If you don't repay the loan for more than 3 months, Lending Bao will represent you in court. At that time, you will not only pay back the money you borrowed, but also pay a high legal fee! Until the Supreme Court blacklist of untrustworthy people, this is much more horrible than credit reporting, and it can almost be said that it is difficult to move, so we must be cautious.