Yes, but each platform has a risk control audit, which generally checks whether there is foreign debt. If you can repay it according to the regulations and you have enough proof and credit, you can also make multiple loans on the P2P platform.

Twelve forbidden behaviors of P2P.

(1) Using the Internet platform of the institution to finance itself or its affiliated borrowers;

(2) directly or indirectly accepting and collecting the lender's funds;

(3) Providing a guarantee to the lender or promising to protect the principal and interest;

(4) recommending or recommending financing projects to unregistered users in the real-name registration system;

(5) Granting loans, except as otherwise provided by laws and regulations;

(6) The term of the split financing project;

(seven) sales of bank wealth management, brokerage asset management, funds, insurance or trust products;

(8) Mixing, bundling, acting as an agent for investment, sales, promotion and brokerage with other institutions in any form except peer-to-peer lending as stipulated by laws, regulations and relevant regulatory provisions;

(9) Deliberately fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided publicity or promotion by ambiguous language or other deceptive means, fabricating and disseminating false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers;

(ten) to provide information intermediary services for financing investment in the securities market;

(eleven) engaged in equity crowdfunding, in-kind crowdfunding and other businesses;

(12) Other peer-to-peer lending activities prohibited by laws, regulations and relevant regulatory provisions.

Extended data

Platform risk control

risk control

From the perspective of risk control, most P2P peer-to-peer lending platforms do not work hard on the risk control of the project itself, but provide guarantees with the help of themselves and third parties. The main risk management modes include mortgage guarantee mode, risk reserve mode, insurance mode, technical means to avoid risks and credit enhancement means.

At present, the pricing model of domestic P2P peer-to-peer lending platform is still being explored, and risk pricing, cost plus and bidding pricing coexist. In practice, in order to enhance its popularity, P2P peer-to-peer lending platforms often charge borrowers, charge investors little or no fees, and even provide investors with various subsidies.

Finally, the ways of P2P peer-to-peer lending platform to retain funds include "fund pool" mode, third-party payment custody mode, large bank account depository mode and strong depository mode. However, the platform that signed the fund deposit agreement with the bank accounts for a very small proportion in the normal operation platform.

Baidu Encyclopedia -—p2p