No At present, some online lending platforms are almost higher than the bank loan interest rate in the same period, and it is almost impossible to finally repay the principal. The final result is that it must be repaid, but some platforms repay the principal and interest in one lump sum.

1. Select short-term financial management standards.

The short-term bidding mentioned here refers to the bidding with a term of no more than 6 months.

2. Carefully invest in large-scale financing targets.

For those bids with loan amount as high as10 million, we should invest cautiously.

3. Look at the transparency of the platform

The transparency of the platform is determined by two aspects. First of all, it depends on the authenticity of the platform information, including the basic information of the company (registered capital, registration time, shareholders, business license, organization code certificate, legal person ID card, management introduction, cooperative organization, etc. ) and business data (annual comprehensive average rate of return, cumulative transaction volume, cumulative number of investors, cumulative investment amount, average loan term, loan balance, etc.). ); The second is to see the authenticity of the loan information released by the platform.

4. See if the borrower is reliable.

On the one hand, those enterprises or individuals who have borrowed on the platform and have a good repayment reputation are more reliable; There are also those enterprises or successful individuals that have begun to take shape, which are more reliable.

5. Look at the cooperation units of the platform

What kind of units the online lending platform cooperates with often reflects the strength and credibility of this platform.

Second, what does an interest-free loan earn?

Interest-free loans do not mean that pure banks do not charge interest. For banks, all loans must have interest. Because banks are enterprises anyway, since there are financing costs, the only ways to make profits are spreads and intermediary business expenses (for many banks, spread income accounts for more than 90% of income). So, is there an interest-free loan? The answer is yes. It just means that for the borrower, the loan interest does not need to be paid by himself, so relatively speaking, this kind of loan is so-called "interest-free". Then, another question arises, "Who gave the bank interest?" Most interest-free loans are paid directly by the government to banks to help borrowers, which is called "government transfer payment" in economics. This is a policy of benefiting the people in cooperation between government departments and banks. Then, in order to apply for "interest-free loans", it is necessary to comply with the relevant government policies, such as: loans to help farmers, disaster relief loans, reemployment loans, and women's loans. Generally, small banks and loan companies don't have such policies at all, and you don't need to believe them. If they meet the relevant policies, they can go to local big banks and agricultural banks to understand the relevant requirements. I hope my answer can help you! thank you

Third, what does an interest-free loan earn?

Banks don't charge interest.

For banks, all loans must have interest. Because in any case, the financing cost, then the only way to make a profit is the difference between the spread and the intermediate business expenses, and this income accounts for more than 90% of the income.

So, is there an interest-free loan? The answer is yes. It just means that for the borrower, the loan interest does not need to be paid by himself, so relatively speaking, this kind of loan is so-called "interest-free". Then, another question arises, "Who gave the bank interest?"

Absolutely, the interest is paid by the government to the bank, which is the "government transfer payment policy" in economics. Then, we need relevant government policies, such as funds, re-employment loans, women's loans and so on.

Generally, small banks and loan companies don't have such policies at all, and you don't need to believe that if big banks and banks support agriculture,

I hope my answer can help you! thank you