Extended data:
Peer-to-peer lending (P2P lending) refers to the way of direct lending between individuals through the Internet platform. In China, the online loan industry has experienced a stage of rapid development and regulatory rectification. According to relevant policies and regulations, online lending platforms must operate in compliance with laws and regulations, and comply with relevant requirements such as lending interest rate, risk warning and information disclosure. In addition, in recent years, China's regulatory authorities have further strengthened the supervision of the online lending industry and intensified the crackdown on illegal fund-raising and arbitrage to safeguard market order and investors' rights and interests.
It is worth noting that this answer only covers the general impact and does not represent the specific policies of individual banks or financial institutions. It is recommended to consult specific institutions when you need a loan and make a decision according to your own situation.