The subject's question is very vague, I don't know what it means, but from my work experience, I really often hear it.

Around August 2065438+2008, p2p industry broke out in China. Small loan companies, cash loan platforms, large and small, ran away and died. Later, it was said that thousands of households in the country only survived hundreds. Then up to now, in 2020, it will become more and more standardized and the supervision will become more and more strict.

But.

There are always some places that are still playing the edge ball. There are some hidden rules, and there are some things that you can't understand but exist with confidence.

Why is the contract interest rate different from the real interest rate? !

The interest rate on the contract is in black and white, which is clearly shown to the regulators. This interest rate should be within a reasonable range, otherwise the superior will deal with you. Disqualification.

But enterprises have survival costs and profits, and entrepreneurs want to make money. What should we do? !

Therefore, in addition to the specified interest rate, there is also a platform management fee, such as owning or buying insurance.

I'm just giving an example, that is, there are other things besides interest rates.

So it is clear that the interest rate on the contract is 7%, and it may reach 1.5 points when it is actually repaid.

This is also the place where small loans and online loans are criticized and ambiguous.

Of course, small lending institutions and legal online lending platforms are good supplements to bank loans. It has brought convenience to many people's lives. The key point is how to find the one that suits you best among so many platforms.

Edited on 2022-0 1- 18, and the copyright belongs to the author.

Agree 4

For example 1