1. Chinese mainland residents aged 18;

2. Have a stable address and place of work or business;

Third, there is a stable source of income;

Four, no bad credit records, loans can not be used for stock trading, gambling and other acts.

5. Other conditions required by the bank.

Online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet.

On 2017165438+10/2 1 day, the office of the leading group for special work on internet financial risks issued the notice on immediately suspending the examination and approval of online small loan companies, and decided that the supervision departments of small loan companies at all levels should not approve new online (internet) small loan companies, and prohibit the new batch of small loan companies from crossing provinces.

2065438+August 8, 2008, the National Mutual Fund Remediation Office issued the Notice on Submitting the Debt Avoidance Information of P2P Platform Borrowers to all provinces (autonomous regions and municipalities directly under the Central Government) and Shenzhen Mutual Fund Remediation Office (hereinafter referred to as the Notice), requiring P2P platforms to submit the information of Lao Lai as soon as possible.

2065438+September 4th, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of Credit Information System in P2P Online Lending, which supported the operating P2P online lending institutions to access the credit information system.

B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online lending platforms to complete pre-lending work. According to different rules, some applicants need to go to the bank offline. B2c model is limited by geography, because its business subject is an organization limited by geography, and its coverage needs to be expanded.

Compared with traditional financial services, P2P borrowers are mainly individuals, mainly credit loans, while corporate loans are the main borrowers, and their borrowers are enterprises with stable cash flow and repayment sources. Compared with individuals, enterprise information is easy to verify, strictly limited to small and medium-sized enterprises with good entity operation, loan demand and fixed assets mortgage. The source of repayment is more stable; At the same time, compared with the credit loan form of P2P platform, P2C model requires the borrowing enterprise to have guarantee and mortgage, and the security is relatively better.