1, both lending and online lending belong to internet finance, but they are different in nature. Borrowing is a loan paid by Alipay to some users, and the money is lent by Alipay to users. The online lending platform is only an information intermediary, and there is no lending relationship between the platform and users.
2. Borrowing is a loan service launched by Alipay. At present, the threshold for application is more than 600 points. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
3. Online lending refers to the P2P online lending platform, which means that individuals borrow directly through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. Peer-to-peer lending includes personal peer-to-peer lending and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies.
Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.
Internet finance (ITFIN) refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information communication technology to realize financing, payment, investment and information intermediary services.
Internet finance is not a simple combination of the Internet and the financial industry, but a new model and new business that naturally comes into being to meet the new demand after being familiar with and accepted by users at the level of network technology such as security and mobile (especially the acceptance of e-commerce). It is an emerging field that combines traditional financial industry with Internet technology. On June 20/610/3, the General Office of the State Council issued the Notice on the Implementation Plan for Special Remediation of Internet Financial Risks.
20 18 10 10 The document "Administrative Measures on Anti-Money Laundering and Anti-Terrorist Financing of Internet Financial Institutions (Trial)" was issued.