P2p is a person-to-person loan. Online lending is the act of matching personal loans with online platforms.
P2P platform has low threshold for applying for loans and fast lending speed.
The bank's loan threshold is high and the lending speed is extremely slow.
2. What is the difference between bank loans and p2p platform loans?
Investment is a skill. Only by knowing more financial knowledge and learning more financial management skills can we choose a suitable platform among P2P investment platforms. You can learn relevant financial management skills through various channels, or browse industry websites, or join discussion groups with financial management knowledge as the theme. As far as I am concerned, the main means to reduce risks is to choose a platform with mortgage and a big platform. After all, the current credit loan market is not very mature. If you want to reduce the risk, you must do a good job in the early stage and diversify your investment in the later stage. Generally speaking, government supervision is still relatively strict, and there are fewer real impostors.
Third, is there a difference between flower buds and p2p?
In daily life, P2P online lending has become a way for some people who have no deposits. However, because some online loans have relatively high thresholds for borrowers, some borrowers can only get in touch with some small peer-to-peer loan platforms with lower thresholds. However, the interest and other expenses of these P2P online loans are usually very high, so many borrowers are often contacted because the repayment funds are beyond their personal affordability. Finally, they repay their old debts after borrowing from other online loans, which leads to a gradual increase in the debt ratio. Of course, in addition to P2P online lending, many people have the habit of using flower beds for shopping. Usually, they will pay back when they spend next month. When users can't afford it, they can use installment repayment or minimum repayment, thus alleviating the financial pressure. So, what's the difference between P2P online lending and flower beds? For this problem, some netizens said that there is a big gap in loan interest.
First of all, P2P online lending is a direct loan between individuals through the Internet platform, while flower beds are actually consumer credit products, both of which are credit products. At the same time, the amount of funds is approved according to the personal qualifications of customers. When overdue, there will be corresponding expenses, and eventually, the amount may be reduced. In other words, the negative effects of online loans and flower beds are basically the same.
Secondly, the difference between P2P online lending and flower garden is also obvious. There is a shopping experience of "consumption first, payment later" in Huayuan, and the platform refuses to withdraw cash. And P2P online lending is somewhat similar to banks in essence. Lending depends on the identity and qualification of the user, and then the borrower needs to pay a certain loan interest, while Huabai does not charge interest on timely repayment. Therefore, it makes sense for some netizens to say that the loan interest gap is large, especially for some P2P online loans, with an annual interest rate of 20.
Of course, due to the overall complexity of the P2P online lending industry, there are many problems and chaos, including beheading and routine loans, and even some online lending institutions have illegal fund-raising. Compared with Bai Hua, although it is a consumer credit product, these problems do not exist. At the same time, the daily interest rate is about 0.05%, which means the monthly interest rate is 65,438+0.5%, which is different from the loan interest of some P2P online loans.
4. What's the difference between bank loans and p2p platform loans?
P2p is a person-to-person loan. Online lending is the act of matching personal loans with online platforms.
P2P platform has low threshold for applying for loans and fast lending speed.
The bank's loan threshold is high and the lending speed is extremely slow.