First, the introduction of online lending knowledge
Peer-to-peer lending is peer-to-peer lending, which refers to direct lending between individuals through the Internet platform. On the whole, the online lending industry is lighter and more dispersed than the traditional financial industry. As a new financial means, the online loan industry has unique advantages compared with traditional bank deposits and trusts. While the society should have a new understanding of this innovative finance, it also needs relevant departments such as the industry and the government to properly supervise the online loan industry and set thresholds in terms of company establishment conditions, management team and capital transfer. In order to protect the lender's capital security, promote the healthy development of the whole industry and maintain the national financial stability.
Second, the precautions for online lending platforms
1. Platform information disclosure
At present, information disclosure is an important part of online lending platform compliance. In the content disclosed by the online lending platform, the lender can know the basic information and strength of the platform, and the information of the platform company can be found through the national enterprise credit information publicity system, and whether the company has bad records and risk information can be seen.
2. Survey project information
When lending, we must avoid problems with funds and choose the real target. When making a loan, you need to know the details of the loan, and see whether the borrower's information, qualifications, loan amount are within the compliance range and what the purpose of the loan is. If it is a mortgage, this category is not compliant. In addition, what is the main repayment method and judge whether there is repayment strength.
Third, how to choose the online lending platform
1. When choosing a platform, the lender can choose a local platform. It is not enough to look at the platform information on the website. You need to go to the field company for a field trip to know. Through face-to-face communication with professionals, we can better understand the platform's risk control ability, credit audit level and product characteristics.
2. Lenders can also get a preliminary understanding of the strength, registered capital, filing progress and risk control of the platform through the Internet. Finally, lenders had better not put all their eggs in one basket. Lending funds to different platforms will greatly reduce risks and avoid capital loss.
3. In the context of the current extension of compliance filing, lenders can also pay attention to the filing progress of the platform. The progress of compliance filing and if it is delayed, it shows that the platform's willingness to comply is not strong enough, and filing is imminent. If the platform compliance process is delayed, it is necessary to avoid this online lending platform.