For example, two formal platforms:
1, Qianhua: This is a loan product owned by Du Xiaoman Finance. It is convenient to apply for money, fast to lend money and flexible to borrow money. The minimum daily interest rate can reach 0.02%, and the maximum loanable amount is 200,000;
2. Suning Free Payment: This is a small consumer loan product under Suning Finance. Voluntary payment provides borrowers with 30-day interest-free loans and installment shopping services, and consumer loan records and overdue records will be uploaded to the central bank's credit information system.
In addition, the formal platform also includes Xiaomi loan and 360 loan.
Online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. Peer-to-peer online lending refers to the internet connection between individuals. It is a sub-category of Internet finance (ITFIN) industry, with 20 12 growing rapidly in China. Up to now, there are about 350 active companies, and by the end of April 20 15, the total number has reached 3054.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.
brief introduction
The essence of internet finance still belongs to finance, and it has not changed the concealment, infectivity, extensiveness and strong supervision of internet finance, which is the inherent requirement to promote the healthy development of internet finance.
At the same time, the interconnected format also has room and room for moderately loose innovation and development. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy.
Internet financial supervision of the original business boundaries and access conditions, moderate supervision, classified supervision, collaborative supervision, innovative supervision, implementation of regulatory responsibilities, clear risk bottom line, protect legitimate business, and resolutely crack down on illegal activities.
Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to the realization between individuals through the Internet platform.
Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending and is governed by laws and regulations such as the Contract Law and the General Principles of the Civil Law, while the Supreme People's Network refers to the Internet companies providing services to customers through the Internet through companies controlled by them.
The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.
Second, what are the more formal online loan apps? Seeking introduction
Now there are many formal micro-loan apps, such as Alipay and micro-loan. However, the loan is fast and the loan amount is high, so you can try staging. Good staging is a micro-loan app. You can pay attention to the official account of the installment WeChat WeChat or download the installment app directly. After the download is successful, you can get a loan of up to 50,000 yuan by clicking the quota. Need to provide my name, ID number, telephone number, bank, video authentication, etc. The fastest 1 min, and the loan amount can be approved. Installment loans require 18 years old, and those who are good at installment don't borrow money from students at school. Generally, the daily interest on installment is 0.03%, which is equivalent to the loan 1 000 yuan, and the daily interest is 3 yuan. Compared with other lending platforms, the interest is about 0.02% less. If you borrow 50,000 yuan, the daily interest will be less 1 yuan, and the monthly interest will be less than about 300 yuan.
3. What are the regular platforms?
Formal platforms include lending, micro-lending and spending money. 1, excuse me. Lending treasure is a pure credit consumer loan product in Alipay wallet. Enter Alipay wallet, and click mine to find a loan. After you enter, you can apply to check the amount of money borrowed by ants according to the webpage reminder. Whether it can be opened is based on the instructions on your web page. If you successfully win the credit line, you can choose "borrow money", enter the credit line and other information, and then make a loan. The system will conduct an audit to determine whether the loan can be successful. What are the regular platforms? 2. Microfinance. Micro-loan is an internet technology product launched by Weizhong Bank, which can be lent to bound bank cards. Microfinance invites official website to register. Invited users can see micro-loans in the WeChat payment/service provision on mobile phones or the investment and financial management column of qq wallet. If you want to be an invited customer, the most basic requirement is to carry out WeChat real-name authentication. Whether you can become an invited customer in the future is based on your website. If you can see micro-loans, you can try to apply for opening and check the credit line. The system will get your actual credit limit and interest according to your comprehensive situation, so people can't interfere. 3, small degree, more money. Put forward money to borrow on Xiaoman Wealth Management APP. /kloc-Middle school students aged 0/8-55 can try to apply for Baidu money. I need to show my original valid second-generation ID card and my savings card when applying. You must apply for a loan before you apply for a loan. The system will approve it separately. After the credit line is approved successfully, you will get relevant information such as credit line and annual interest rate, depending on your Baidu spending page.
4. What are the formal platforms?
National formal platform loans: Ant Loan, Micro Loan, Instant Consumer Finance, JD.COM Gold Bar and Ping An Hewlett-Packard Loan.
1, borrowed by ants.
Ant Borrowing is the loan service of Ant Financial Service launched by Alipay. At present, ant borrowing is only open to users with sesame score above 600, and the specific amount and interest rate of ant borrowing are also closely related to sesame score. The higher the sesame score, the easier it is for users to get loans. The maximum loan amount is 300,000 yuan, and the interest rate is generally low.
In addition, users who often use ants to borrow money will have a higher quota and lower interest. At present, ants borrow it and use it to pay it back, with a minimum daily interest of one ten thousandth.
2. Microfinance.
Micro-loan is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, Tencent's first internet bank in China, for QQ users and WeChat users. Launched on 20 15.
Micro-loan adopts invitation system, and only invited users are eligible to use micro-loan. Micro-loans provide users with a loan amount of up to 300,000 yuan, and also adopt the method of daily interest, with a minimum daily interest of 1.5%.
3. Consumer finance immediately.
Instant Consumer Finance is a licensed consumer finance institution approved by China Banking and Insurance Regulatory Commission. At present, it has two products: instant installment and comfortable flower, covering two major consumer finance fields: consumption installment and cash installment. At present, consumer finance provides users with a loan amount of up to 200,000 yuan, and the application conditions are relatively low. You only need to provide the corresponding income proof to apply.
4.JD.COM gold bars.
JD.COM Gold Bar is a credit loan product under Jingdong Finance. At present, JD.COM gold bars adopt the application system, and users can apply independently. At present, JD.COM Gold Bar provides users with a maximum loan amount of 654.38+10,000 yuan, which is repaid in monthly installments with a minimum monthly interest rate of 0.5%.
5. Ping An Pratt & Whitney Loan.
Ping An Pratt & Whitney is a consumer financial institution under Ping An Bank, which specializes in serving individuals. At present, Ping An Pratt & Whitney has several loan products, such as I loan and oxygen loan. The official claims that it takes only 3 minutes at the earliest to lend money, and the application threshold is not very high. It is very convenient to use and the user's evaluation is also very good.