With the development of society, our life is getting better and better, and all aspects of life are becoming more and more convenient. Now many people will start to use online loans. I think on the one hand, because the Internet is more popular, online lending is more convenient. On the other hand, because many people have strong spending power, but their earning power is not enough, they began to borrow online loans. Next, I will explain it to you in detail. 1. Online lending is very convenient.

Now that our Internet is more popular, we can do many things online. For example, we can make online loans. We only need to submit some identity information online, and then we can successfully borrow money through verification, which is very convenient, which is why so many people choose online loans now. Many people have strong spending power, but no money.

When I was in college, many of my classmates were online lenders. This is because for college students, there are many things to buy. Girls want to buy bags and cosmetics, and boys want to buy all kinds of sneakers. These things are very expensive, so some of them will apply for loans online, but young people have no self-control. For example, a classmate of mine applied for a lot of loans online, but he couldn't pay them back, resulting in a lot of interest. Finally, I confessed to my parents that my parents paid back the money to make up for the gap. Therefore, as young people, we must be careful of the temptation of online loans, and we must spend within our own reasonable scope, and do not over-consume. In short, with the development of society, many things can be done online. Now more and more people start to borrow money online. On the one hand, many young people have weak self-control. When they face the temptation of consumption, they will choose online loans themselves, but it is easy to have bad consequences, resulting in a heavy burden on themselves. On the other hand, it is relatively simple to apply for online loans now, which is also an important reason for many people to apply.

Why are there so many online loans now? The root cause is actually this.

As we all know, when the funds on hand are insufficient, they can choose to apply for loans from banks, and some private financial institutions provide loan products for users. However, among all loans, bank loans have the lowest interest rate. Since the bank loan interest rate is the lowest, why are there so many online loans now? The root cause is this!

Why are there so many online loans now?

1, publicity issues

Every user is exposed to different levels of information. Due to social circle, industry, education level, personal connections and other reasons, it is extremely difficult for borrowers to obtain accurate and comprehensive loan business details from banks or other licensed institutions. Coupled with the overwhelming online loan advertisements on various social applications, many people unconsciously click in, and even the first loan becomes an online loan.

2. Personal qualifications

Most borrowers can't meet the bank's application qualification because of social security, provident fund, punch card salary, credit information and other problems.

This rigid factor has a great relationship with the borrower's work unit and post; There are also soft factors, which are closely related to personal loan common sense and personal habit of using credit cards and loans for a long time. The good habit of maintaining credit information can be improved.

3. Loan application process

When applying for a loan in a bank, it is often necessary for the borrower to apply offline, and all kinds of information must be prepared in advance. However, online lending does not even require borrowers to download apps. Just fill in personal basic information and upload photos of the front and back of your ID card, and you can get a loan line immediately.

In addition, some borrowers are induced by online loan advertisements to fill in information directly, often lacking correct loan common sense and filling out online loan applications without understanding online loans.

The above is "Why are there so many online loans now?" I hope I can help you!

Why is everyone using P2P online loans? What are the advantages?

Everyone hopes that he can earn more money through his own efforts in life, so that his life is also very rich. But when people do some business, it will definitely lead to their own situation, so at this time we need to find a better way to get more funds, so some people are thinking about P2P network loan platform, and they think this platform can lend money. Of course, at the same time, what are the advantages of this platform?

The first thing to say is that it lends money very quickly. Because we all know that anyone who borrows money means that he is in urgent need of money, otherwise he will not lend money, so in this case, if a platform lends money very slowly. It takes a lot of time from the first time a customer wants to go to a loan consultation to the final loan success, so if so, I believe that the customer will not come to the P2P online lending platform at all. Because finding this platform can't solve the problem at all, because their loan speed is very slow, which leads to some problems that have not been solved for a long time and causes great losses to themselves. In fact, when you just started to understand the P2P online lending platform, you can know that its own loan speed is very fast, and I believe that after going through some procedures, you can get your own loan in a short time.

Secondly, it is very convenient to apply for a loan. Because sometimes many people, when doing one more thing or applying for a loan, will find that some platforms require different procedures. If all the procedures are completed, it can be said that it takes a lot of time, and it is very difficult to handle these documents, or it will lead to a long loan time, but it still can't solve the problem that they originally wanted to solve, or because the loan is very inconvenient, there is no way at all. In fact, the P2P online lending platform has professionals to handle it for everyone. When you go to consult, you will understand that there is no need for complicated procedures. It can be said that its procedures are still very simple.

On the other hand, it is not limited by location. Because sometimes people will think, if I am in another province and lack of money, I will go to this platform to borrow money, and will he lend it to them? Because I'm not a local, I haven't implemented it after considering it for a long time, but in fact, it can be said that the biggest advantage of this online lending platform is that it is not restricted by geography, or that people in Heilongjiang or Hainan Province can make money and solve urgent needs as quickly as possible.

So from the above, we can know what are the advantages of P2P online lending platform. It can be said that the three benefits mentioned above are very huge, which are good for everyone to borrow money and can bring great convenience to everyone's life. Therefore, when people really need money, or can't borrow money through other platforms, they can still choose this platform.

Why would someone borrow an online loan and not pay back the money?

The reason why many people don't pay back online loans is mostly because of the following reasons:

1, the interest charged by the loan online loan is too high, even the rolling interest, which has reached the standard, but for the interest beyond the reasonable range, the borrower has no problem to choose.

2. In addition to interest, the loan platform also charges various additional fees, such as post-loan management fees, financial service fees, deposits and so on. Such charges are illegal. In particular, some borrowers are required to pay before lending, which is equivalent to charging "beheading interest" in disguise.

3. Some people think that the online loan they borrowed is not connected to the central bank's credit information system, so even if it is overdue, it will not have any adverse impact on personal credit information, nor will it prevent them from going to the bank to handle credit business, so they simply evade it. In fact, this idea is wrong. If you borrow money, you should repay it on time. What's more, although many online loans are not credit information, they are related to big data. Personal credit will also be damaged after submitting big data in case of overdue.

Extended data:

Is online lending legal?

Peer-to-peer lending is a kind of private lending, which is legal.

legal ground

Paragraph 2 of Article 22 of the Supreme Law "Provisions on Several Issues Concerning the Trial of Private Lending Cases": If the online lending platform provider explicitly provides a guarantee for the loan through web pages, advertisements and other media or there is other evidence to prove that the lender requests the online lending platform provider to assume the guarantee responsibility, the people should support it.

Why do so many young people choose online loans?

Once upon a time, people in China were famous for their frugal habits.

Why is it that in just a few decades, but with the efforts of two generations, young people have become the mainstream when they are in debt?

What the hell happened?

1, consumption under advanced consumerism.

Some people have counted the reasons why members of Douban "debtor alliance" team owe loans, and the most common one is ahead of consumption.

Embraced by consumerism, more and more young people "spend tomorrow's money to realize today's dreams", borrow money to buy if they can't afford it, and support loans if they can't afford it.

In this way, some young people embarked on the road of online lending, which led to young people spending in advance.

Nielsen's 20 19 China youth debt survey report found that the average debt-to-income ratio of young people (18 to 29 years old) was 4 1.75%, and only 13.4% of young people had zero debt. Among the young people in debt, 44.5% are heavily in debt, which leads to debt accumulation.

Another report on young people's consumption life shows that one out of every four post-90s generation is using online loan staging.

Long-term immersion in the ecstasy brought by online loans will make people lose sensitivity to money. Money comes too easily, so there is no psychological burden to spend it.

Once the inner desires begin to swell, we may be dragged into the abyss if we are not careful.

2. Identity anxiety caused by social networks

British writer Alain de Botton wrote in "Anxiety of Identity":

"Human beings' judgment of their own value is inherently uncertain, and our understanding of ourselves largely depends on what others think of us. Our self-feeling and self-identity are completely subject to the evaluation of the people around us. "

The internet age facilitates people's interaction, but it also strengthens this identity anxiety.

On social media, if we can get attention and praise, we will be full of confidence in ourselves. If we expose our lives but are ignored by others, self-doubt will follow.

Gradually, in order to get other people's attention, we began to learn to measure our lives by other people's evaluation standards.

This is especially obvious among young people whose social status is still unclear.

They are more keen to maintain a glamorous life by buying luxury goods, traveling abroad and other consumption methods, and show others that they "actually mix well".

Nowadays, society uses material and money to measure a person's materialistic culture, which also encourages the prevalence of this comparison.

When people's value is materialized, what you can bear is equal to who you are.

At this time, various online shopping and online lending platforms will sneak in, encouraging us to go to the flower garden and inducing us to borrow it.

3. Eat, drink and be merry without help

Psychological research shows that when the sense of powerlessness and despair reaches a certain threshold, people's consumption behavior will be more obvious.

The unattainable housing prices and the 996 workplace environment have left countless young people breathless.

They have become "Buddhists", and there is less and less hope to change their living conditions and realize their ideals through their own efforts.

This inability to reality and pessimism about the future can easily make people give up the pursuit of long-term goals.

Therefore, "Eat, drink, and be merry today, lead a drunken life and dream of death" has become the philosophy of life of many young people.

Coupled with various advertisements, buy buy shopping is mistaken by young people as the "best choice" to release the pressure of life, fill the inner emptiness and get alternative satisfaction.

Combining the above three points, it is not difficult to understand why so many young people are involved in online lending.