The difference between conventional loans and private lending;
1, conventional lending will create the illusion of private lending.
(1) Lenders of routine loans often advertise in the name of small loan companies, investment companies, consulting companies, guarantee companies and peer-to-peer lending platforms, and induce borrowers to borrow with low interest, unsecured, unsecured and fast loans, and then induce borrowers to sign loans with inflated amounts with false reasons such as "margin" and "regulations". Some lenders of conventional loans will also force the other party to sign a "loan" agreement or related agreement with inflated amount on the grounds of the borrower's previous loan default.
(2) In private lending, the borrower knows that there is withholding interest, which is inconsistent with the repayment amount, and at the same time knows the actual loan amount. Therefore, even if there are yin-yang contracts and inflated loan contracts, they are signed when the borrower knows the contents of the contract terms.
Even if the lender advertises in the name of "small loan company", "investment company", "consulting company", "guarantee company" and "peer-to-peer lending platform" to induce the borrower to borrow at low interest, unsecured, unsecured and fast, it cannot be easily determined that the lender constitutes a crime of routine loan, because the borrower's purpose is to borrow money, and whether the company mentioned by the lender is low interest, unsecured and unsecured.
2. Conventional loans will create false payment facts such as capital running away.
(1) The lender transfers funds to the borrower's account according to the inflated amount of the "loan" agreement, creating traces of all loans that have been delivered to the borrower, and then recovers all or part of the funds through various means, but the borrower has not actually obtained or fully obtained the "loan" agreement and the amount shown in the bank flow.
For this kind of behavior, the lenders of conventional loans often influence and deceive the lenders to continuously transfer the money received, leading to the final signing of a loan contract, which also shows that the loans have been received through the bank flow, but in fact all or most of the loans have been transferred to the accounts of the lenders' affiliated companies, and the real loan amount is almost zero. This kind of operation will lead to the borrower not only unable to borrow money, but also bearing huge debts.
(2) In private lending, even if there is an act of the borrower returning part of the funds to the account of the relevant personnel of the lender, this act is made on the basis of the borrower's wishes under the conditions agreed by the lender and the borrower in advance.