The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
What are the more formal online lending platforms?
Formal lending platforms are:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.
What kind of lending platform is formal?
National formal platform loans: Ant Loan, Micro Loan, Instant Consumer Finance, JD.COM Gold Bar and Ping An Hewlett-Packard Loan.
1, borrowed by ants.
Ant Borrowing is the loan service of Ant Financial Service launched by Alipay. At present, ant borrowing is only open to users with sesame score above 600, and the specific amount and interest rate of ant borrowing are also closely related to sesame score. The higher the sesame score, the easier it is for users to get loans. The maximum loan amount is 300,000 yuan, and the interest rate is generally low.
In addition, users who often use ants to borrow money will have a higher quota and lower interest. At present, ants borrow it and use it to pay it back, with a minimum daily interest of one ten thousandth.
2. Microfinance.
Micro-loan is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, Tencent's first internet bank in China, for QQ users and WeChat users. Launched on 20 15.
Micro-loan adopts invitation system, and only invited users are eligible to use micro-loan. Micro-loans provide users with a loan amount of up to 300,000 yuan, and also adopt the method of daily interest, with a minimum daily interest of 1.5%.
3. Consumer finance immediately.
Instant Consumer Finance is a licensed consumer finance institution approved by China Banking and Insurance Regulatory Commission. At present, it has two products: instant installment and comfortable flower, covering two major consumer finance fields: consumption installment and cash installment. At present, consumer finance provides users with a loan amount of up to 200,000 yuan, and the application conditions are relatively low. You only need to provide the corresponding income proof to apply.
Online lending platforms rank regularly.
The top ten conscience loan platforms are: Du Xiaoman Finance, Zhong 'an Small Loan, Provincial Loan, 360 IOU, Zhongyuan Consumer Finance, Auction Loan, Real Home Flower Garden, Good Term Loan, Gome Easy Card and Micro Loan.
1, Xiaoman Finance
Baidu's financial services are well buried and the amount of financial services is very high. It will be approved in 30 seconds and will be received soon. Yes 12. Pay it back in installments! In the era of intelligent finance, Du Xiaoman will give full play to Baidu's AI advantages and technical strength, and join hands with financial institution partners to provide reliable financial services for more people with technology.
2. Zhongan Small Loan:
Zhongan Small Loan is an unsecured, pure online consumer credit platform, focusing on providing instant loan services for individuals and small and micro business owners.
The credit line is high: the loan line is 500-500 million yuan, and the installment is long: it can be repaid in 60 installments at the longest, and the interest rate is low: the daily interest rate is as low as 0.02%, and the approval is fast, regardless of the running water, no paper materials are needed, and the formal platform and bank lend money, without face-to-face trial and repayment.
Step 3 save it:
Save it, cash installment loan, with a maximum comprehensive amount of 200,000. It is a credit service platform that provides safe, stable and convenient loan services for young people aged 2 1-45. Provide regular and convenient services for small users.
4360 IOUs
360 IOU is a consumer credit brand under 360 Digital Group, with a maximum loan amount of 200,000. You will have the opportunity to apply between the ages of 23 and 55.
5. Loan at any time:
Anytime loan is a variety of different lending services, and it is also a mobile financial software based on the Internet, with flexible loan amount.
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What are the regular online lending platforms?
Formal online lending platforms include: money spending, ant lending, micro-lending and long-term lending.
Now the internet is developed. In addition to the existing traditional banks and loan companies, when people are in urgent need of funds to solve difficulties, they can borrow money conveniently through various online lending platforms, without mortgage, guarantee or face-to-face signing ("three noes"), just relying on personal data and relevant credit records.