danger
1, the virtual nature of online transactions makes it impossible to authenticate the credit status of both borrowers and borrowers, which is prone to fraud and breach of contract disputes.
2. A lot of lender information published on the Internet platform is in the name of "loan company" and "financing company". In fact, financial institutions must be approved by the state to engage in financial services such as credit financing. Those who engage in financial activities without authorization are often punished for "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management.
3. If loans are issued on behalf of the network platform, if the network platform neglects self-discipline, or the internal control procedures fail, or are used by others, there may be cases of fabricating loan information and illegally raising funds. [ 1]
prospect
With the popularity of the Internet, the Internet is gradually infiltrating into every aspect of people's daily life, and people's living habits will be changed in the future. In view of the popularity of the Internet, various industries closely related to people's lives are also changing. The most typical example is retail.
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. Correspondingly, the rise of a number of online loan intermediary companies has also made great contributions to the popularization and promotion of online loans.
With the development of smart phones and wireless Internet, mobile financial platform is in the ascendant. Wireless Internet has many traditions, such as anytime, anywhere, convenience and so on, which can quickly meet people's needs.
condition
The ability of online lending to solve the financing difficulties of small and medium-sized enterprises is still very limited, and there are also some problems in their own development. However, the rise of online loans based on e-commerce is bringing about changes in credit concepts and models, which will provide the possibility for China to build a multi-level financing platform, which is the key to solve the financing difficulties of small and medium-sized enterprises.