1. What are the disadvantages of borrowing?
1. Incorrect private lending methods will affect the financial order. Due to the prevalence of private usury, it is generally higher than the provisions of lending, and some even higher than the bank interest rate by dozens of times. Driven by interests, some people are more willing to lend their own funds to private lending, while usurers are more fully aiming at this shortcut;
2. Incorrect ways of private lending will seriously affect the harmonious and stable social order in China. Illegal usurers often use illegal means to lend money to pay off debts;
3. Incorrect private lending methods will seriously affect the normal judicial trial procedures in China, and often as high-interest lenders, they will take extreme measures for dunning, which will seriously endanger their lives.
Second, what are the current formal lending platforms?
At present, the formal lending platforms are: having money to spend, financing various loans, and borrowing by ants.
1, money to spend
"Qianhua" is a credit service brand (original name: Baidu Qianhua, renamed as "Qianhua" in June of 20 18) under Du Xiaoman Finance (formerly Baidu Finance). Click it to borrow the maximum amount.
2. Rongding Hundred Loans
Rongding EMI is a platform with many Alipay life loans. For example, if you are short of money, you can provide the borrower with a loan of 1000-5000 yuan, with a term of 30 days, which will arrive on the same day, and often provide the borrower with some interest deduction vouchers.
3. Ants borrow it
Alipay's loan business is called ant borrowing. Users do not need to submit complicated personal materials and financial certificates, and the loan can be completed in 3 seconds at the earliest. This service is located in "Credit Life" in "Sesame Credit".