Personal loan companies are also formal, mainly depending on whether this private loan company has legal business qualifications. Don't treat pawnshops as small guarantee companies. It's totally two properties. Relevant laws stipulate: "If the loan contract between natural persons does not stipulate or is unclear about the payment of interest, it shall be regarded as not paying interest. If the loan contract between natural persons stipulates the payment of interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate. " The Supreme People's Court's "Opinions on People's Trial of Lending Cases" clearly stipulates that the interest rate of private lending shall not exceed 4 times the interest rate of similar loans of banks; Excess interest is not guaranteed.
Second, are there any private borrowers?
In addition to banks, only licensed platforms are generally more formal, such as Ping An Pratt & Whitney, 360 IOUs, rich flowers, pleasant loans, installment as scheduled, 2345 loans, building blocks and so on.