1. Meet the conditions of becoming an agent and accept the terms of becoming an agent.
2. Sign an agency contract and mail relevant documents (personal agent: copy of ID card. Enterprise agent: copy of ID card and business license of the person in charge).
3. Remit the advance payment to the designated account.
4. Officially become the agent of NetAlliance Company.
1.There should be two joining modes of P2P online lending platform, one is business type and the other is platform type.
2. The business type is that the platform and licensor are linked with investment and financing customers, the headquarters controls the business, and the licensor develops the business for the headquarters and obtains the profit share. The advantage of this model is that the platform can no longer be restricted by regional financing customers. Even if the platform is headquartered in Beijing, it can accept the application of Changchun financing customers, provided that the headquarters has a local licensor.
3. The platform type is a whole platform. Each licensor divides regions and operates the back office independently, so that all licensors in each region can conduct business on their own platforms. The advantages of platform type are resource sharing, business development and risk sharing, which is conducive to making the platform stronger and bigger and achieving long-term goals.
Peer-to-Peer Loan: Can a person borrow on multiple platforms at the same time?
Yes, but every platform has a risk control audit, which generally checks whether there is any foreign debt. If you can repay it according to the regulations and you have enough proof and credit, you can also make multiple loans on a P2P platform.
Twelve forbidden behaviors of P2P.
(1) Using the Internet platform of the institution to finance itself or its affiliated borrowers;
(2) directly or indirectly accepting and collecting the lender's funds;
(3) Providing a guarantee to the lender or promising to protect the principal and interest;
(four) to publicize or recommend financing projects to unregistered users of the real-name registration system;
(5) Granting loans, except as otherwise provided by laws and regulations;
(6) Time limit for splitting financing projects;
(seven) sales of bank wealth management, brokerage asset management, funds, insurance or trust products;
(eight) in addition to peer-to-peer lending as stipulated by laws, regulations and relevant regulatory provisions, any form of mixing, bundling, investment agency, sales agency, promotion and brokerage business with other institutions;
(9) Deliberately fabricating and exaggerating the authenticity and income prospects of financing projects, concealing the defects and risks of financing projects, making false one-sided propaganda or promotion by vague language or other deceptive means, fabricating and disseminating false or incomplete information, damaging the commercial reputation of others and misleading lenders or borrowers;
(ten) to provide information intermediary services for financing investment in the securities market;
(eleven) engaged in equity crowdfunding, in-kind crowdfunding and other businesses;
(twelve) other activities prohibited by laws and regulations and regulatory provisions related to peer-to-peer lending.
Extended data
Platform risk control
risk control
From the perspective of risk control, most P2P peer-to-peer lending platforms do not work hard on the risk control of the project itself, but provide guarantees by themselves and third parties. The main risk management modes include mortgage guarantee mode, risk reserve mode, insurance mode, technical means to avoid risks and credit enhancement means.
At present, the pricing model of P2P peer-to-peer lending platform in China is still being explored, including risk pricing, cost plus and bidding pricing. In practice, in order to enhance its popularity, P2P peer-to-peer lending platforms often charge borrowers, charge investors little or no fees, and even provide investors with various subsidies.
Finally, P2P peer-to-peer lending platform can retain funds in the form of "fund pool" mode, third-party payment custody mode, large bank account depository mode and strong depository mode. However, the platform that signed the fund depository agreement with the bank accounts for a very small proportion in the normal operation platform.