Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.
The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
: 1. Online lending will not only generate penalty interest and liquidated damages, but also face collection, which may be blacklisted by third parties.
(1) Penalty interest and liquidated damages: If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay liquidated damages on the basis of penalty interest. These expenses add up to a lot, but if you don't want to get into the quagmire of loans, you must develop good repayment habits.
(2) Faced with collection: Many people owe money and don't pay it back because they are urged to collect! When the arrears are overdue, the online lending platform will inevitably collect them through various means. If the collection is not returned for a long time, at this time, some online lending platforms will go to a third-party collection company for collection.
(3) Inclusion in the blacklist of third-party credit information: Although many online loans have no credit information now, there will be online loan credit information databases and online loan credit information blacklists. Once bad records are left in these credit information systems, it will be very difficult to borrow them on other platforms.
What are the Internet finance?
Internet finance includes third-party payment, P2P online lending, Internet funds, crowdfunding and equity crowdfunding. Among them, the typical products of the third-party payment platform include Alipay, WeChat payment, and China UnionPay Express. The typical products of P2P online lending include auction loan and pleasant loan. Typical products of Internet funds include Yu 'ebao. Typical products of crowdfunding include crowdfunding in JD.COM. The typical product of equity crowdfunding is Angel Exchange.
1.P2P online lending is called Peer-to-Peerlending in English, that is, peer-to-peer credit, and it is also called "everyone's loan" in China. Peer-to-peer online lending refers to the third-party internet platform built by P2P companies, which matches the borrowers and borrowers. It is a "person-to-person" direct credit model. That is, a qualified website (a third-party company) is used as an intermediary platform, the borrower issues the loan target, and the investor bids for the loan to the borrower.
2. Peer-to-peer lending refers to the process of lending, and information, funds, contracts and procedures are all realized through the Internet. It is a new financial model developed with the development of internet and the rise of private lending, and it is also one of the development trends of financial services in the future. According to the estimation of Online Lending House, as of September 20 13, the number of P2P online lending platforms is around 500. Since September 20 13, the linear speed of the new platform has reached 3-4 per day. It is estimated that by the end of 20 13, the number of P2P online lending platforms will exceed 800.
3. China P2P online lending platform can be analyzed from three angles. According to different lending processes, P2P online lending can be divided into pure platform mode and creditor's rights transfer mode. In the pure platform mode, the relationship between borrowers and lenders is realized through direct contact and one-time bidding on the platform; In the mode of creditor's rights transfer, professional lenders on the platform participate in the lending relationship. According to the application degree of Internet in the whole business process such as user development, credit review, contract signing and loan collection, the operation mode of P2P online lending platform can also be divided into pure online mode and online-offline combination mode.
4. According to whether guarantee is provided or not, P2P online lending platforms can be divided into unsecured mode and secured mode, and secured mode includes third-party guarantee mode and platform-owned guarantee mode.
How to handle online loans? Understand the process and precautions.
There are generally two channels for urgent money loans, one is bank loans, and the other is to apply for online loans. Although bank loans are highly secure, the threshold is relatively high, and it is difficult for ordinary people to approve them. In contrast, online loans are easier to apply for, so how do you apply for online loans? Here are some basic processes and precautions.
How to handle online loans?
First, choose a formal online lending platform.
There are many online lending platforms on the market. In order to avoid being routine, we should choose a formal platform.
Usually, formal online lending platforms are qualified to lend, that is, they hold financial licenses approved by the central bank, and the loan interest rates are generally within the scope of legal protection, and most of them will not exceed 24%. Moreover, no fees will be charged for any reason before lending, and the amount actually received by the borrower is the same as the loan amount.
If you really don't know which online lending platform to choose, you can refer to Xia360 IOUs, IOUs, JD.COM Gold Bars, Didi Lending and Xiaoman. , all have good strength, and they are also very famous in the Internet finance industry.
Second, prepare materials to prove that the loan is operated according to the process.
The online loan process is actually very simple, because most of them are credit loans, which can be handled directly online without mortgage guarantee. But the premise is to see if you are eligible for loans according to the requirements of the selected online lending platform. One is to see if your age is up to standard, the other is to have a stable work income, and the third is to have good personal credit.
If it is confirmed that it meets the requirements, you can borrow money through the official account of WeChat on the online loan platform or download the online loan APP. Generally, you should use the mobile phone number of the real-name registration system to register, and then improve your basic personal information according to the prompts. Then you have to upload the original ID card, bind the debit card to complete real-name authentication, and even perform face recognition.
The online loan platform system will give a loan amount according to the borrower's credit situation. The borrower applies for a loan within the loan amount, selects the loan amount, term and repayment method, and submits it. After being approved by the system, the borrower will repay the bank card provided by the borrower on time.
The above is the relevant introduction of "How to handle online loans", and I hope it will help everyone.
What does Internet finance include?
What does Internet finance include? What are the specific categories?
The development of traditional financial internet has experienced online banking, third-party payment, personal loans and corporate financing. Including but not limited to payment for third parties, sales of online wealth management products, credit evaluation and audit, financial intermediary, financial e-commerce crowdfunding and other modes.
What are the main aspects of Internet finance?
Domestic Internet finance mainly includes six modules.
First, third-party payment, such as Alipay and WeChat payment that we are familiar with.
The second is big data finance, and its operation mode is divided into platform mode represented by Ali Microfinance and supply chain finance mode represented by JD.COM and Suning.
The third is p2p online lending, that is, peer-to-peer credit, such as Murong Bao and pterosaur loan.
4. Crowdfunding refers to the mode of raising project funds from netizens in the form of group purchase and pre-purchase, such as some micro-public welfare raising platforms and dream realization platforms.
Five, information-based financial institutions, transform or reconstruct traditional financial institutions, such as self-service banking, telephone banking, mobile banking, online banking, etc.
6. Internet financial portal refers to a platform that uses the Internet to sell financial products and provide third-party services, such as online loan home and online financial management.
What does Internet finance include? What are the specific categories?
Internet finance includes three basic forms of enterprise organization: online small loan companies, third-party payment companies and financial intermediary companies. Electronic banking, online banking and mobile banking, which are widely promoted by commercial banks at present, also belong to this category. Internet finance is divided into six modes: online lending, crowdfunding (* * *), third-party payment, big data finance, virtual currency and baby corps. Mainly these six big pieces.
What does Internet finance mainly include?
The main modes are as follows:
crowdfunding
Zhongchouda
That is, public fund-raising or public fund-raising refers to the mode of raising project funds from netizens in the form of group purchase and pre-purchase. The original intention of crowdfunding is to use the characteristics of the Internet and SNS to make startups, artists or individuals face the public.
Show your creativity and projects, win everyone's attention and support, and then get the financial assistance you need. The operation mode of crowdfunding platform is similar-individuals or teams who need funds hand over project planning to crowdfunding platform.
After the relevant approval, you can set up your own page on the website of the platform to introduce the project to the public. [3]
Peer to peer loan
P2P[4](Peer-
To-Peerlending), that is, peer-to-peer credit. Peer-to-peer online lending refers to the matchmaking between borrowers and lenders through a third-party Internet platform, and those who need to borrow money can find it through the website platform.
People who are able to lend and willing to lend under certain conditions can help lenders spread their risks by sharing loan quotas with other lenders, and also help borrowers choose attractive returns from fully compared information.
Interest rate conditions such as loans and loans.
There are two modes of operation. The first mode is pure online mode, which is characterized in that all fund lending activities are conducted online, without combining offline audit. Usually, these enterprises take measures to examine the qualifications of borrowers, such as video authentication, checking bank bills and identity authentication. The second mode is the combination of online and offline. After the borrower submits the loan application online, the platform will review the borrower's credit and repayment ability through the local agency and household survey.
Third party payment
In a narrow sense, third-party payment refers to an electronic payment mode in which a non-bank institution with certain strength and credit guarantee establishes a connection between users and bank payment and settlement systems by signing contracts with major banks with the help of communication, computer and information security technologies.
According to the definition of payment services of non-financial institutions given by the central bank in 20 10 Measures for the Administration of Payment Services of Non-financial Institutions, broadly speaking, third-party payment refers to
Online payment, prepaid card, bank card receipt and other payment services determined by the People's Bank of China provided by non-financial institutions as the payment intermediary of the payee and payer. Third-party payment is not limited to the original internet branch.
Payment has become a comprehensive payment tool with comprehensive online and offline coverage and richer application scenarios.
digital currency
In addition to the booming third-party payment, P2P loan model, small loan model, crowdfunding financing, balance treasure model and other forms, Internet currency represented by Bitcoin has also begun to show its fangs [5].
Take digital currency such as Bitcoin as an example.
In a sense, the outbreak of Internet currency is more subversive than any other form of Internet finance. On August 19, 2065438, Germany officially recognized the legal "currency" status of Bitcoin.
Bitcoin can be used for tax payment and other legal purposes, and Germany became the first country in the world to recognize Bitcoin. This means that Bitcoin has gradually "washed white", moving from a geek's plaything to the public's sight. Perhaps, it can urge
A real Internet finance empire was born.
Bitcoin has been hot and has fallen sharply. In any case, this internet gold rush feast, which seems to be far away from us, has slowly entered our sight, which makes people
Scientists have seen that the ultimate form of Internet finance is Internet currency. All internet finance only challenges the existing commercial banks and securities companies, and the future development of internet currency is a challenge to the central bank.
Fight. Maybe bitcoin will subvert traditional finance and grow into the first global currency, and maybe it will eventually go. In any case, it is certain that Bitcoin will leave an eternal legacy to mankind. [5]
Big data finance
Big data finance refers to massive unstructured data. Real-time analysis can provide internet financial institutions with all-round customer information. By analyzing and mining customer's transaction and consumption information, we can master customer's consumption habits and accurately predict customer's behavior, so that financial institutions and financial service platforms can have a clear goal in marketing and risk control.
The financial service platform based on big data mainly refers to the financial services carried out by e-commerce companies with massive data. The key to big data is the ability to quickly obtain useful information from a large amount of data, or the ability to quickly realize the use of big data assets. Therefore, the information processing of big data is often based on cloud computing.
financial institution
The so-called information-based financial institutions, ......
What are the branches of Internet finance?
Internet finance has several branches: Internet credit, Internet financing, Internet insurance, Internet venture capital/crowdfunding.
What does Internet finance mean? What is Internet finance?
At present, there are many discussions about internet finance and financial internet in the industry: it is basically believed that internet finance is a financial service born out of the Internet, while financial internet only sells financial products on the Internet. Its essence is still a financial product, and the Internet is just a means.
If someone invites you to invest in internet financial products, it is a bluff.
What is the meaning of Internet finance, including what modes?
Internet finance is a new financial model that uses a series of modern information technologies such as Internet technology and mobile communication technology to realize financing. In this mode, the degree of market information asymmetry is very low, and the supply and demand sides of funds can directly connect through the network, which greatly reduces the transaction cost.
For the emergence of such a new concept, most people are so excited and ecstatic that anything with some appearance of internet and finance is called internet finance. There are many discussions about internet finance, but few people stand up and classify it systematically. Although Xie Ping, deputy general manager of China Investment Corporation, made a detailed analysis of the definition, payment methods, information processing and resource allocation of Internet finance in the Research on Internet Finance Mode written in August 20 12, only the mobile banking and p2p financing modes were mainly analyzed. Recently, some people in the industry have put crowdfunding, bitcoin, and Yu' ebao. As a separate mode of internet finance, it has different classification descriptions. However, with the continuous innovation in the field of Internet finance and the deepening of social understanding of Internet finance, it is still difficult for some social definitions and patterns to fully cover the current development of Internet finance.
In order to clarify the mode of Internet finance, the Internet Finance Laboratory of Soft Exchange has conducted in-depth analysis of Internet finance-related information and made a serious study of innovative products and phenomena of Internet finance through continuous investigation and interviews with enterprises in the field of Internet finance since 20 12. Finally, the system sorts out six Internet finance modes, including third-party payment, p2p online lending, big data finance, crowdfunding, information-based financial institutions and Internet finance portals, which were first put forward by Luo Mingxiong at the "Tsinghua Financial Week Internet Finance Forum" held on April 26th, 2065438.
Based on the recent hot phenomenon of Internet finance, in order to better communicate with the industry and discuss the research results of the Internet Finance Laboratory of the Soft Exchange, the phenomena with certain business models based on Internet finance are divided into six modes, which are briefly analyzed one by one, in order to provide dinner for everyone.
1, third-party payment
In a narrow sense, third-party payment refers to an electronic payment mode in which a non-bank institution with certain strength and credit guarantee establishes a connection between users and bank payment and settlement systems by signing contracts with major banks with the help of communication, computer and information security technologies.
According to the definition of non-financial institutions' payment services given by the central bank in 20 10 Measures for the Administration of Payment Services of Non-financial Institutions, broadly speaking, third-party payment refers to online payment, prepaid card, bank card receipt and other payment services provided by non-financial institutions as payment intermediaries of both parties. The third payment is not limited to the initial Internet payment, but has become a comprehensive payment tool with comprehensive online and offline coverage and richer application scenarios.
From the perspective of development path and user accumulation path, the current operating modes of third-party payment companies in the market can be divided into two categories:
One is the independent third-party payment mode, that is, the third-party payment is completely independent of the e-commerce website, does not undertake the guarantee function, and only provides users with payment products and payment system solutions, with Kuaiqian, yeepay, Remittance World and Lacarra as typical representatives. Take yeepay as an example. At first, it provided vertical payment for the industry based on this model. Then, taking the information transformation of traditional industries as an opportunity, with its deep understanding of specific industries, the whole electronic payment solution is tailored.
The other is the third-party payment mode, headed by Alipay and Tenpay, which relies on its own b2c and c2c e-commerce websites to provide guarantee functions. The payment is temporarily hosted by the platform, and the platform informs the seller that the payment is received and delivered; In this payment mode, after purchasing goods on the e-commerce website, the buyer uses the account provided by the third-party platform to pay for the goods. After the buyer confirms the inspection, he can inform the platform to pay the seller. At this time, the third-party payment platform will transfer money to the seller's account.
Third-party payment companies mainly include transaction fees, credit interest of industry users' funds, service fee income, interest on deposited funds and other income sources.
Comparatively speaking, independent third-party payment is based on B (enterprise), while the third-party payment platform of guarantee mode is based on C (individual consumer). The former indirectly covers the customer's user base by serving enterprise customers, while the latter penetrates into the industry by virtue of the advantages of user resources.
The rise of third-party payment will inevitably bring settlement interest rates and corresponding electronic money/virtual money fields to banks. ......
What does internet finance mean?
Internet finance is divided into six modes: online lending, crowdfunding, third-party payment, big data finance, virtual currency (bitcoin) and baby corps (like Yu 'ebao products). JR 123 website is a collection of the best financial websites and resources, including online lending, crowdfunding, third-party payment, bitcoin, baby corps and other internet financial websites.
What are the forms of Internet finance?
There are five main forms of Internet finance: Internet payment, P2P peer-to-peer lending, non-P2P network, crowdfunding financing, innovative Internet platform of financial institutions, and Internet-based fund sales.
What is Internet finance? What is the difference between internet finance and financial internet?
Thank you for inviting me! Please ask Daniel to pat the brick!
Direct financing, to put it bluntly, means that people who are short of money borrow money directly from rich people. Stock is the most typical direct financing method. When you buy stocks, you lend money to an enterprise, and then he pays you dividends every year. So do bonds. He pays you interest every year when you buy corporate bonds. Indirect financing means that rich people or enterprises do not lend money directly to people who are short of money, but through intermediaries. Who is the intermediary? The most typical is the bank. We deposit a large amount of money in banks, which arrange funds in a unified way and distribute them to people or enterprises that are short of money. We get the interest from the bank when we save money, and the interest from the bank to the enterprise when we borrow money. The difference between the two is the profit of the bank. The circulation of credit currency has two characteristics: one is the separation of ownership and use right, and the other is that this separation process is remunerative, which is generally reflected in interest or dividend. )
The internet is just a re-understanding of the underlying structure of human beings. Therefore, the most basic financial transactions may also be put on the Internet, just because everyone's operating habits now allow this to happen. (Let's talk about Yu 'ebao first. It is only the docking with the monetary fund that makes the transaction itself more convenient. Strictly speaking, it is not financial innovation. )
Professor Xie Ping, who first put forward the concept of Internet finance in China, once put forward the third financing mode, which is different from direct financing and indirect financing, namely "Internet finance mode", which may represent the understanding of most people on this mode. His definition is: convenient payment, extremely low market information asymmetry, direct transactions between the supply and demand sides of funds, and ineffective financial intermediaries such as banks, brokers and exchanges can achieve the same resource allocation efficiency as direct and indirect financing, and greatly reduce transaction costs while promoting economic growth. He regards internet finance as the third way of financing, and of course, you can also regard any act of realizing such financing through internet technology as internet finance. Including the behavior of traditional financial institutions using the Internet to improve their efficiency, can be defined as Internet finance.
I think the most important thing is to understand that the core meaning of internet finance is to achieve disintermediation, that is, financial disintermediation. I hope to use the Internet to make information more transparent, to make intermediaries lose the information advantages that they originally relied on information asymmetry, to make all kinds of social participants more flat, and to some extent to reduce the professional advantages of financial intermediaries brought about by specialized division of labor, so that the functions of a large number of financial institutions continue to differentiate or even disappear.
Internet finance or financial internet? There is a view in the industry that Internet companies are involved in the financial field, which is Internet finance. If financial enterprises use internet means, it is not internet finance, but financial internet. I don't think it is advisable to separate them in this way. Using financial thinking to do the internet or using internet thinking to do finance is nothing more than arguing about who serves whom.
The Internet finance I agree with is not only to sell the original offline financial products online, but to do what the traditional financial industry does with the "spirit" of the Internet. What is the traditional Internet spirit? It is openness, equality, cooperation, sharing, decentralization and customer experience first! ! In the short term, the core of China's Internet finance industry is financial attributes, and the Internet is just a tool, which generally abides by financial rules. You see, p2p, which has the most internet financial attributes abroad, has been made into a financial internet model in China because it has no effective risk control. P2P companies directly get involved in the transaction and become a party to the transaction, which makes Internet finance, which should be financial disintermediation, become or fail to disintermediate. The model that needs its own credit attachment has essentially become a guarantee company, a part of P2P, and even a bank. By building a pool of funds, it became an unlicensed bank. This deformation is actually very typical. Their essence is actually financial institutions. I won't give examples here.
Related articles are linked as follows, if you are interested, you can have a look:)
What is online credit?
Network credit is network loan, and network loan is becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet.
There are two modes of online credit:
1, b2c mode
B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. B2c model is limited by geography, because its business subject is an organization limited by geography, and its coverage needs to be expanded.
2. The reason why P2P is favored by people is that P2P mostly exists on the Internet and mobile terminals, and the most direct advantage of mobile Internet is "convenience, efficiency, and no geographical restrictions". Now, it seems that this lightning borrowing mode without geographical restrictions is more optimistic and familiar, and there is huge room for the development of consumer finance in cmnet in the future.
Extended data:
Online credit needs to pay attention to the following four scams:
1. Establish a website under the banner of a professional company.
Such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. But if you look at such websites carefully, you will find that they generally leave no landline and address, only mobile phones or QQ. Even if they leave an address, they can't stand to look carefully.
2. "Unsecured, unsecured" and "same-day loan"
In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this scam, once the small and medium-sized business owners take the bait.
3. Pretend to be a formal institution
Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions. Most project parties need to be more cautious when making inquiries.
4. Online transfer scam
In the online transfer scam, the fraudster will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.