This is prosperity.
According to American official data in 2006, Prosper was established as the first P2P platform in the United States.
Peer-to-peer platform is to gather the funds in the hands of investors and lend them to users with loan needs, and then the borrower pays the loan interest to the lender, similar to an intermediary agency, and obtains the due income from it.
What's the difference between domestic p2p and foreign p2p?
Foreign p2p platforms are mostly intermediaries and third-party platforms, which neither provide guarantee nor promise 100% principal and interest guarantee. However, in domestic p2p platforms, due to the imperfect data, most platforms currently provide guarantees, principal and interest guarantees and other commitments.
Specific differences:
1, platform mode difference
Foreign online lending platforms only act as information intermediaries, do not participate in any loan transactions, and do not compensate investors for losses. However, the role of China's online lending platform is very vague, that is, as an information intermediary and a credit intermediary, it participates in the whole lending transaction and assumes the responsibility of paying in advance.
2, their own social environment
In foreign countries, interest rates are completely market-oriented, and the advantage of P2P is that interest rates are lower. The highly developed financial market also makes the investment channels very rich. However, in China, the domestic financial market is rigid, financing is difficult and investment channels are scarce. As a channel between investors and financiers, P2P meets the needs of both supply and demand sides. Therefore, P2P industry is becoming more and more popular in China.
3. Credit information system
There is a relatively perfect credit reporting system abroad, and the platform can conduct online audit through the data provided by the government and third-party credit reporting agencies. China's credit information is not perfect, the central bank is not open to the P2P platform, and the platform can only be based on offline audit. This led to the emergence of many bad debts, and finally investors could not reflect them.
4. Regulatory laws
In the United States, for example, the platform is supervised by the SEC and has a strict information disclosure mechanism, with a deposit requirement of $4 million. P2P companies are bound by securities laws and state laws. In China, however, supervision is very scarce, and only ordinary enterprises have access threshold. There are no clear laws and regulations. This is also the reason why many platforms run.
What is the risk control principle of P2P peer-to-peer lending platform in Europe and America?
This principle focuses on risk control, and different credit standards are formulated according to different risk levels.
Some problems of P2P online lending platforms in Europe and America can actually be used as references for our P2P online lending problems. Why are many domestic P2P platforms thundering one after another? Management is one of the factors, and risk control is also a very important factor.
First, the credit standard is very important in the whole system.
Because European and American countries have a set of detailed credit standards, whenever users apply for P2P loans, their personal credit information will be queried. For the user's previous usage and query records, P2P online lending will re-evaluate the user's credit limit. Although our central bank's credit information system has been launched, the number of people covered is still relatively small, and many people still have no credit concept, which also increases the risk of financial lending.
Second, systematic judgment replaces manual intervention.
In the P2P systems in Europe and America, basically all operations are judged by the system, with little human intervention. On the one hand, it is related to the credit system standards of European and American countries, on the other hand, it is also related to their real-name registration information. Users in Europe and America generally have their own financial accounts, which will be reflected in the credit records of the past three years. Once the user is found to be overdue for 65438+February, the user will generally be rejected directly.
Third, the third party supervises the fund pool.
This is beyond the scope of risk control. Strictly speaking, all financial activities should be regulated to some extent, whether for investors or borrowers. It's not that we don't have a third party to supervise the fund pool, but that we don't make full use of the supervision tools. It is precisely for this reason that both borrowers and lenders have not strictly grasped the risk problem, and naturally there have been many overdue risks and malicious overdue phenomena.
To sum up, the above three points are the risk control logic of foreign P2P online lending platforms, which you can refer to.
Which bank has a venture loan?
Agricultural bank.
Borrowers must have the conditions to apply for personal loans.
1, 18-65 years old, with full capacity for civil conduct, with a fixed residence in the local area and valid identity documents;
2, with a valid production and operation certificate, engaged in special industries should have the right to approve the special industry business license issued by the department;
3. Have management experience in this industry and have been engaged in this industry for more than 2 years, and have certain management capabilities;
4, with stable operating income and the ability to repay the loan principal and interest on schedule;
5. The secured loan must be legal, effective and worthy of guarantee;
6. Good credit record;
7. Meet other conditions of Agricultural Bank of China.
Extended data:
Matters needing attention
1. The loan applicant's investment projects require him to have certain self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.
2. The loan applicant must open a settlement account in the bank where the loan is made, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.