1. Online loan, namely peer-to-peer lending, is one of the internet finance industries. You can borrow money directly on the internet platform. With the rapid development of the Internet, the number of online lending platforms has increased rapidly. So far, there are more than 3,000 platforms active in peer-to-peer lending.

2. Online loans are characterized by convenient repayment, low application threshold, fast repayment and diverse products. However, there are many fake peer-to-peer lending platforms that rely on high interest rates and penalty interests to obtain high returns, so we must choose carefully and consider carefully. In addition, you can choose some formal online lending platforms. According to national regulations, the loan interest rate cannot exceed 36%. If the interest on your loan exceeds 36%,

3. Effective loans are aimed at the problems of small and micro enterprises, such as less mortgage assets, non-compliance with banking service standards, short approval time through traditional channels, and high capital cost. Many financial institutions jointly develop credit loan business based on business data in enterprise management software. In order to provide private enterprises with more convenient and efficient financial services, Kingdee effective loans cover a wide range of service areas. As one of the main products of Kingdee Finance, Kingdee Efficient Loan has cooperated with Ping An Bank, Online Merchant Bank and Bank of Communications.

4. Effective loans are characterized by higher reliability and security. First of all, in terms of personal credit information, the service of effective loans makes more borrowers feel more at ease. It has business contacts with major banks to serve the problem of lack of funds for small enterprises. To some extent, online loans are more risky than effective loans, which can not guarantee the rights and interests of loans, and will continue to earn a certain high interest, which is very likely to be eaten by the black, which is very harmful to individuals and society.

Kingdee Small Loan is a loan platform of Kingdee Group, a well-known software company. At present, Kingdee Small Loan has been successfully listed in Hong Kong. In other words, Kingdee Small Loan is a loan platform for listed companies with extraordinary strength.