First, Rice Easy Loan
1, rice e loan This product belongs to a credit product launched by the product research and development team of Jianhu Rural Commercial Bank and external professional companies after half a year of cooperative research. It is easy to use, and once approved, it can be lent as needed. The maximum loan amount is 300,000 yuan, the loan term is 1-2 years, the annual interest rate is as low as 4.35%, and the lending speed is fast, and the whole process of lending can be realized in only 3-5 minutes.
2. The application materials are relatively simple. There is no requirement to have a bank card of a rural commercial bank. It is also possible to apply for other bank cards, but it is best to have social security accumulation fund or business license to apply for this product.
3. Quotas will be issued immediately after the application is submitted. It is a pure online product. There will be a return call to check the basic information. After the quota is issued, the withdrawal can also be received immediately. Generally speaking, it is still very good, but the geographical limitation is a troublesome problem. If you are not in Yancheng, you can try to change the location.
Second, the hazards of peer-to-peer lending are as follows:
1, unsecured, high interest rate, high risk. Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).
2. Credit risk. The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.
3. Lack of effective supervision means Because online lending is a new type of financing means, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.
4. The rates of some online lending platforms are not clearly marked, and the expressions such as handling fees, overdue fees and liquidated damages are hidden. , may tightly lock the loan students. Once the repayment is overdue, it is likely to be difficult to bear the loss of funds, triggering a credit crisis of over-consumption.
5. Once the payment is overdue, it will affect the individual's personal credit information in the bank. Once you have a personal credit stain, you will have to pay more than others in the future, whether you apply for a credit card or a loan, and you may even be rejected. In addition, once these small online lending companies change, private information such as ID cards also have hidden dangers.