What are the formal online loan platforms?

The top ten formal online loans and the top ten conscientious loan platforms recognized by the state:

All the ten conscientious loan platforms have passed Selected based on online data, we cannot say which product is better. Different loan platforms have different application conditions and review standards. It can only be said that the one that suits the user is the best. Moreover, according to different selection criteria, the ranking of the top ten conscience loan platforms will change, and even the product names of the top ten conscience loan platforms on different websites are also different.

Small and medium-sized loans: It can provide credit loans of RMB 30,000 to RMB 200,000 to mainland residents aged 22-55, with a maximum term of 12 months and an annualized interest rate as low as 7.2%. After registering and logging in with your mobile phone number in the real-name registration system, you can use your valid second-generation ID card for face recognition authentication. If the bound bank reaches the limit, you can get a loan, and it can be approved in as fast as 5 seconds.

Doudou: Pure credit loan, only open to non-student users aged 20 to 50. You need to submit an application form on the client, take a photo of your ID card, and upload it. After binding the bank card and completing the authentication, you can borrow money, with a limit of 3,000 to 50,000, and a maximum loan period of 24 months, with a monthly interest rate of 0.65%-1.79%. The system will automatically review and the loan can be released as soon as the same day.

Quick e-loan: China Construction Bank has many loan products, including financing e-loan, pledge loan, car e-loan, car e-loan, quick e-loan, etc. Among them, the one with the lowest threshold is Quicke Loan. As long as you handle business with CCB (such as saving money, purchasing financial management, treasury bonds, funds, loans, payroll, etc.), you will have the opportunity to obtain a one-year quota, ranging from 1,000 yuan to 300,000 yuan.

The above content is for reference only and does not contain any loan advice. Online loans are risky, so choose carefully!

What are the formal online loan platforms?

Regular online loan platforms:

1. Yirendai, which was launched by CreditEase in 2012 and was launched by Yiren in 2015. The loan is listed on the New York Stock Exchange.

2. Renrendai is a loan platform of Youxin Financial Services Group. It was established in 2010 and is one of the earliest online loan platforms in China.

3. Lufax, a platform under Ping An of China, was established in Shanghai in September 2011 and received support from the Shanghai Municipal Government.

4. Paipaidai was established in June 2007 and listed on the New York Stock Exchange in 2017. It is China's first online lending platform.

Internet lending, the foreign name is Internetlending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support operating P2P Online lending institutions are connected to the credit reporting system.

Online lending includes individual online lending (i.e. P2P online lending) and the Internet. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court. Network refers to what Internet companies provide to customers using the Internet through companies they control. Networks should abide by existing corporate regulatory regulations, leverage the advantages of online lending, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

Required conditions for online loans:

1. Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, be under 65 years old (inclusive), and have full legal qualifications. Chinese citizens with capacity for civil conduct;

2. Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time;

3. Have a good credit record and willingness to repay , no bad credit record;

4. Can provide legal, effective and reliable guarantee recognized by the bank;

5. Have a clear loan purpose, and the loan purpose complies with relevant regulations;

Generally, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for loan application are largely based on the individual's credit accumulation in the bank. At this time, applying for a loan When applying, try to submit some materials that can increase your credibility, such as academic certificates, income certificates, etc. The higher the accumulated credit, the larger the loan amount.

What platforms are there for p2p online loans?

1. Paipaidai

The first online loan company established in China, which only provides online unsecured and unsecured loans. Loans are well-known and the number of active users ranks among the top among online loan platforms. However, Paipai has not promised to advance principal and interest since its establishment. It hopes that investors will adopt a small investment and diversified investment model to independently control risks. As a result, under the impact of many platforms that promised to advance principal and interest, the transaction amount lagged behind significantly.

2. Junrongdai

The team of Junrongdai brings together elites from the banking and Internet industries, and has a profound understanding of the public’s financing needs and bank loan products and wealth management products. Understand and have considerable knowledge of Internet entrepreneurship and operations. Junrongdai is an Internet financial company that truly conducts business based on Internet thinking. Junrongdai, a new player in the online loan industry, has achieved outstanding results as soon as the first bid was launched. The platform has won the trust of investors with its strong risk control capabilities. In 2014, it took the lead in entering the field of supply chain finance by relying on its own operating advantages. Recently, it also passed the strict Baidu whitelist review and obtained the qualification certification of a regular online loan army.

3. Yirendai

With the strong backing of CreditEase, the largest offline P2P company in China, it has an advantage in brand awareness. The unique bond transfer function is highly efficient, cash withdrawals are basically received on the same day, and the professionalism of the telephone customer service is comparable to that of a bank. It has shown the style of a large company since its launch, and recently it has set a new record for borrowing speed.

Online lending, the foreign name is Internetlending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support operating P2P Online lending institutions are connected to the credit reporting system.

What are the p2p platforms?

There are many p2p platforms, such as Renrendai, Yirendai, Anxindai, Hexindai, Jiumobox, Renrendai, Tuandai.com, Hongling Venture Capital, PPmoney, Paipaidai, Lufax, Youwodai, Financial Finance, etc. These platforms are all very formal and users can invest with confidence.

Generally, the safety of principal is not guaranteed when investing on p2p platforms. The main reason is that the returns of projects invested on p2p platforms are relatively high, generally around 10%, and investors may face the possibility of losing their principal. On the p2p platform, users can both borrow and lend money. You need to pay interest when you borrow money.

On the p2p platform, users can choose to borrow or lend money according to their needs. Generally, borrowing money requires more interest. After all, the platform will charge a certain service fee in order to make profits. After borrowing money from a regular p2p platform, you must repay it on time, otherwise it will affect your personal credit report, and a bad credit report will affect your borrowing.

After the loan on the p2p platform is overdue, the platform will carry out various methods of collection. For example, it will remind the user at the beginning and call the user directly later.

If the borrower does not repay, the platform will call the borrower's friends. If the borrower does not repay, the p2p platform will contact the borrower. This is something everyone needs to pay attention to.

Which online loans are p2p

Online loan platforms that are p2p include: Yirendai; Junrongdai; Paipaidai, etc.

Yirendai has the strong backing of CreditEase, the largest offline P2P company in China, and has an advantage in brand awareness. The unique bond transfer function is highly efficient, cash withdrawals are basically received on the same day, and the telephone customer service is as professional as a bank.

Junrongdai’s team brings together elites from the banking and Internet industries. They have a deep understanding of the public’s financing needs, bank loan products, and wealth management products, and they also have considerable knowledge of Internet entrepreneurship and operations. Junrongdai is an Internet financial company that truly conducts business based on Internet thinking. Junrongdai, a new player in the online loan industry, has achieved outstanding results as soon as its first bid was launched. The platform has won the trust of investors with its strong risk control capabilities. In 2014, it took the lead in entering the field of supply chain finance by relying on its own operating advantages. Recently, it also passed the strict Baidu whitelist review and obtained the qualification certification of a regular online loan army.

Paipaidai is the first online lending company established in China. It only provides online unsecured and unsecured loans. It is well-known and has the highest number of active users among online lending platforms. However, Paipai has not promised to advance principal and interest since its establishment. It hopes that investors will adopt a small investment and diversified investment model to independently control risks. As a result, under the impact of many platforms that promised to advance principal and interest, the transaction amount lagged behind significantly.

That’s it for the introduction of the formal p2p online loan platform.