When it comes to online lending, many people are afraid. So what is online lending? Many people always like to naturally think of services such as Alipay, Lending, and WeChat micro-loan, especially Lending and Micro-loan, which belong to loan services, and are all done through the Internet. Can it be characterized as online loan? Many people have misunderstandings in this regard. Let's sort out the difference between online loan and loan service.
The so-called online loan is not a general term for Internet loans, but refers to P2P network loans, which are called Internetlending in English. P2P is the abbreviation of English peer-to-peer, which means person-to-person lending, also known as peer-to-peer peer-to-peer lending. P2P platform itself does not provide loan services. It is more like an intermediary to bring individuals and individuals to the platform for matchmaking transactions.
Borrowing is an Internet loan service, but it is essentially a consumer financial service. It is a non-bank consumer financial service institution approved by the Bank of China Insurance Regulatory Commission and established according to law. Its characteristic is that it does not absorb public deposits, and the main source of funds is capital. After the scale is expanded, you can apply for issuing bonds or borrowing from banks, so the loan service of consumer financial services is more secure. Lending is this kind of consumer finance service, and now the main service is Chongqing Ant Consumer Finance Co., Ltd. under the Ant Group.
In addition, although the flower buds with the same name as borrowing money do not support direct borrowing, they can only be used for consumption, but in essence they still belong to consumer financial services and do not belong to the category of peer-to-peer lending. At present, flower buds and borrowing buds are based on sesame credit, and they are all products of Ant Xiaojin, and they all provide services on Alipay. Besides, what other reliable consumer financial services are there? Let's take a look together. Don't mistake them for online loans.
1, ant flower. Flower garden is a consumer financial service, which provides overdraft service, and can only be used for consumption, but not directly for cash withdrawal, similar to the consumption function of credit cards. Generally speaking, users with sesame credit score above 550 will have the opportunity to open the flower garden service. At present, the credit scope of Huabai is 50 yuan-50,000 yuan, which can be recycled within the actual credit scope to meet the needs of users to spend first and then repay.
2. The ant borrowed it. Borrowing is also a consumer financial service, but it provides a cash loan service, which can only be used after borrowing from a bank account or Alipay account. It cannot be directly used for consumption, nor does it belong to the category of online lending. Under normal circumstances, users with sesame credit score above 600 points will have the opportunity to open it after being invited by the system. The credit line ranges from 1 1,000 yuan to 200,000 yuan, and it can be recycled.
3. Hippo. Like borrowing, Hippo Xiaobai is a consumer finance service and a cash loan service, which requires users to borrow money from cash accounts before using it. Interestingly, they all refer to sesame credit. Users with sesame scores above 650 can get credit lines ranging from 200,000 to 200,000 by applying directly on their WeChat public platform, and can choose to repay in installments of 3/6/ 12/24, or even repay in advance.
The above common Internet financial services are consumer financial services, not online loans. Don't be silly and confused in the future. Let's look at the differences between them.
First of all, as an online lending platform, it is only a loan matching transaction between individuals, from which the corresponding commission is charged. From this perspective, the interest rate of online loans is generally higher and the risks are greater.
Secondly, the Internet-based consumer finance business is fully funded by consumer financial institutions and legally established with the approval of the Bank of China Insurance Regulatory Commission, which is more secure.
Second, the regular small loan platform has reliable small loans for you to choose from.
Everyone is familiar with it, but with the development of the small loan industry, many fraud companies are also fishing in troubled waters. Many people have been cheated, so what are the regular small loan platforms? Today, I will give you a summary of getting a small loan platform.
First, banks are small loan platforms. The key to distinguishing formal small loan platforms is to look at the producers behind small loans. The bank has developed a platform suitable for everyone's loan. These small loan platforms rely on the big tree of banks and are naturally very formal and reliable. 1, Zhongan Xinye's formal small loan platform, Zhongan Xinye has been widely concerned by everyone. The "loan-assisting" agency model of micro-loan business jointly developed by Zhongan Xinye, China Development Bank and China Construction Bank can definitely guarantee its formality. The loan amount is between 5000-30000 yuan, which is very reliable. 2. Ping An I Loan Ping An I Loan is a small loan platform under Ping An Pratt & Whitney. As a safe product, its regularity is self-evident. Ping an I loan is relatively fast, and it can be solved in 3 minutes at the earliest. At the same time, the application requirements are not high, and it is a loan product trusted by young people. 3. ICBC Ronge Loan As a small loan platform under the big signboard of ICBC, ICBC Ronge Loan is naturally trusted by the majority of lenders. ICBC Ronge has a credit line of 6-800,000 yuan, which is a fairly good mobile phone loan platform. The general loan amount is about 40 thousand yuan, which is mainly determined by the applicant's repayment ability, credit information and repayment record. The better the credit information, the higher the user quota. 4. Of course, all branches of ICBC Easy Loan Bank are formal, and they will also rank among the top in the formal ranking of 20 17. ICBC Easy Loan is very popular, and the interest rate of ICBC Easy Loan rises by 10% according to the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China. 5. CITIC Lending Fund CITIC Lending Fund is a short-term cash loan product of CITIC Bank, which is naturally considered as a quality product in the top ten official rankings. No mortgage is needed, and the review is faster. CITIC's loan procedures are complete and very formal. Second, the small loan platform of large internet companies must find a formal small loan platform, and naturally large internet companies endorse it. 1, Ant Borrowing Ant Borrowing is a product of Alibaba and a pioneer of young people. The form speaks for itself. College students who use Alipay often use ants to spend money in advance and borrow money when they are in urgent need. Regardless of information security or interest rate, it is considered to be the quality of the loan APP. 2. Baidu Qianhuahua Internet company Baidu Qianhuahua has been an all-star trust value from the beginning. For users who have used Baidu wallets and purchased white wealth management products, Baidu Qianhua will send an invitation, and only the mobile phone number that receives the official invitation can activate the opening of Baidu Qianhua Loan Cash Loan. College students are also the main customers of Baidu Money. 3.JD.COM Gold Bar and Alibaba want to correspond to the loan platform of JD.COM enterprises. Compared with ant borrowing, JD.COM gold bars are a new platform, and the borrowing methods and characteristics are more humane. For friends who often use JD.COM for shopping, they can apply for a good loan amount. JD.COM gold bars are not limited to white bars for shopping. Gold bars can be used for shopping or cash installment.
Third, seek to recommend a good loan platform with good service.
There won't be any pies in the morning Don't borrow money for no reason Don't use it if you have no money. Being unable to repay is very harmful to yourself and your family! Once you fall into the pit, you can't get up, you can only spend your life in repayment.