The risk of online lending platform is mainly aimed at lenders. The risk is that the money can't be collected. The reason may be that the boss runs away and the capital chain breaks. And some fake platforms are purely self-contained Ponzi schemes.
In fact, it is very simple to distinguish whether an online lending platform is formal. Take Jin Fu Shangying as an example. First, determine the positioning of information intermediary, and then look at bank depository, filing and information disclosure. Basically, you can be sure.
Second, what are the regular online lending platforms?
Formal online lending platform:
1.0 12 listed, and 20 15 listed.
2. Renren Loan, a loan platform owned by Xinyoujinfu, was established on 20 10 and is one of the earliest online lending platforms in China.
3. lufax, a platform owned by Ping An of China, was established in Shanghai on September 20 1 1 and gained access.
4. Paipai Loan was established in June 2007 and listed on NYSE on 20 17. It is the first online lending platform in China.
What is online lending? In fact, as the name implies, online lending is online lending. For example, if you are in one place, this is online lending. And like the flower buds used by many people, this is an online loan. Online lending is actually borrowing money online and lending it to others. Some popular online loans are safe. It is also a formal channel, and some online loans are informal channels, just like a quilt. These are all formal channels, and the interest is relatively low. So if you borrow money from others online, it is also called online loan, then this kind of online loan is more than informal online loan.
For example, if I use it normally and repay it normally, then I think this online loan is a normal thing, but you borrow money from major platforms and go there to borrow money from informal platforms, and then this kind of online loan is particularly dangerous, leading to the ruin of your family and the next debt. What about things like this? It is also the time to owe online loans, which leads to family destruction. Because some of them are informal, the interest on online loans is particularly high, and the profits have rolled this price, which is straightforward.
The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going to online loans and generating huge debts. If they can't stand it, they will be direct. But blind consumption, we should not blindly consume, we should compare.
Generally speaking, talking like blind consumption is the reason why you owe a huge amount. Therefore, we really don't want to blindly consume, which will have an impact on our future and cause us to owe huge debts. If you can't bear it, it will directly lead to
Third, what is Internet financial management, is it safe and reliable?
Hello. The concept of internet finance refers to a new type of finance that relies on internet tools such as payment, cloud computing, social networks and search engines to achieve financial intermediation, payment and information intermediary services. Internet finance is not a simple combination of the Internet and the financial industry, but a new model and new business that naturally comes into being to meet the new demand after being familiar with and accepted by users at the level of network technology such as security and mobile (especially the acceptance of e-commerce). It is an emerging field that combines the traditional financial industry with the spirit of the Internet. The difference between Internet finance and traditional finance lies not only in the different media used in financial business, but also in the fact that financial participants know the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial services have a series of characteristics, such as greater transparency, higher participation, better collaboration, lower intermediate costs, more convenient operation and so on. [1] Theoretically, any Internet application involving generalized finance should be Internet finance, including but not limited to payment for third parties, sales of online wealth management products, credit evaluation and auditing, financial intermediary, financial e-commerce and other modes. The development of Internet finance has gone through many stages, such as online banking, third-party payment, personal loans and corporate financing. Moreover, it is getting deeper and deeper into the core of traditional financial business in terms of financing funds and matching between the supply and demand sides of funds. At present, the main mode of Internet finance in China is that traditional finance provides services for everyone through Internet channels. This is the familiar online banking. The role of the internet in it should be the role of channels. The second model, similar to Ali Finance, creates better conditions for it to provide credit services than other lenders because it has an e-commerce platform. The role of the Internet is to obtain credit support based on the collection and analysis of big data. The third model, commonly known as P2P model, provides more intermediary services and combines the lenders and demanders of funds. [7] So far, many models are derived from the concept of P2P. Peer-to-peer lending, there are more than 2,000 platforms in China with different platform models, which can be summarized into the following four categories: 1. The secured transaction mode of guarantee institutions is also a relatively secure P2P mode. As an intermediary, such platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions. This model was first established on the platform of Chuangfu Loan, and Chuangfu Loan and Zhongan Xinye jointly launched the product "Institutional Guarantee Standard". The trading mode of such platforms is mostly "1 many-to-many", that is, a loan demand is invested by multiple investors. The advantage of this model is that it can ensure the safety of investors' funds. Large-scale guarantee institutions in China, such as Zhongan Xinye, Zendai Express Loan and Financial Union, all participated in this model. The second is the Internet service platform launched by large financial groups. Compared with other platforms, there are only a few million registered funds, and lufax's registered capital of 400 million is particularly eye-catching. This kind of platform has a big group background, and it is distributed from the traditional financial industry to the Internet, so the business model is more financial and bureaucratic. In terms of risk control, lufax's P2P business is still audited by offline borrowers, cooperating with the guarantee companies under Ping An Group, and recruiting professional teams from abroad to do risk control. Although offline audit and full guarantee are the most reliable means, not all online lending platforms can afford the cost and cannot be promoted as industry standards. It is worth mentioning that lufax adopts the mode of "1 zhuan 1". 1 The loan is only 1 investor. Investors need to operate their own investments online, and the investment period is 1-3 years. Therefore, when it was first launched, it was complained that it could not be bought every day, and the liquidity was not high. However, due to 1 clarifying the creditor's rights in 1 mode, Jin Lu launched the creditor's rights transfer service at the end of 20 12, which alleviated the problems of insufficient supply and poor liquidity. Third, based on the transaction parameters, combined with the comprehensive transaction mode of O2O(OnlinetoOffline, combining offline business opportunities with the Internet). For example, Ali joined the credit review system of e-commerce and integrated the loan information. The P2P business created by this small loan model relies on its advantages such as customer resources, e-commerce transaction data and product structure, and the two companies established offline serve its platform customers. The combination of offline business opportunities and the Internet makes the Internet a front desk for offline transactions. Fourthly, innovative financial management methods represented by P2P online lending model have been widely concerned and recognized. Compared with traditional financial services, P2P borrowers are individuals, mainly credit loans, and the source of loans is strictly limited to small and medium-sized enterprises with good business operations and loan needs. Relying on the offline multi-financial guarantee system, the inherent contradiction in the P2P model is completely solved from the structure, making the security more practical and powerful. The fourth mode, through interactive marketing, makes full use of internet means to closely combine traditional marketing channels with online marketing channels; Transforming the financial industry from "product-centrism" to "customer-centrism"; Adjust the relationship between the financial industry and other financial institutions, and build an open Internet financial platform. Due to its short development time and different platform modes, this model can be classified into the following three categories: 1. Professional P2P (professional P2P) mode. Establish a platform for information exchange and resource sharing among professional financial service personnel, make information matching and accurate recommendation among them, and promote the establishment of online trust and the desire to trade. Professional P2P model is far from being comparable to the flooding P2P loan model in the market. In essence, it conforms to the rules of financial supervision, the needs of current financial institutions' own development and the spirit and characteristics of the Internet. Second, the financial mixed business model. Open * * * resources to financial institutions through the Internet platform, release information on various financial products and projects for financial product sales personnel, and create and customize financial products for customers. The Internet platform used in financial mixed operation is positioned to serve 5 million financial institutions, non-financial institutions and account managers, and will include sales personnel of real estate, automobiles and luxury goods, provide an open platform for comprehensive development and cross-selling, provide rewards, transactions, exhibitions, learning, and manage and serve their own customers. Third, the financial cross-selling model. Break the institutional barriers of the wealth management industry, gather investors' resources through the display and sales of various wealth management products on the platform, and promote the sales of wealth management products sales staff. Financial product sales staff can communicate internally and replace resources on the platform, find and set up their own cooperation teams in different product fields, and after reaching the benefit sharing rules, the teams can enjoy the resources of investors, promote the internal products of the teams for investors and allocate assets, so as to achieve cross-selling cooperation among financial product sales staff and win-win results. Modern information technology represented by the Internet, especially mobile payment, cloud computing, social networks and search engines, will have a fundamental impact on human financial model. After 20 years, a third financial operation mechanism may be formed, which is different from indirect financing of commercial banks and direct financing of capital markets. It can be called "Internet direct financing market" or "Internet financial model". Under the Internet finance mode, because of search engines, big data, social networks and cloud computing, the degree of market information asymmetry is very low, the cost of matching funds and risk sharing between the two parties is very low, and intermediaries such as banks, brokers and exchanges are invalid; Issuance and trading of loans, stocks, bonds, etc. The payment of coupons is made directly online. This market is completely efficient, close to the state without financial intermediary described by the general equilibrium theorem. In this financial model, payment is convenient, search engines and social networks reduce the cost of information processing, and the supply and demand sides of funds directly trade, which can achieve the same resource allocation efficiency as direct financing in the capital market and indirect financing in banks, and greatly reduce transaction costs while promoting economic growth. The Internet financial platform represented by P2C model, Love Investment is such a representative. Compared with other platforms, the P2C model initiated by Ai Investment is borrowed by enterprises with stable cash flow and repayment sources. Compared with individuals, enterprise information is easier to verify and repayment sources are more stable. In terms of risk control, Ai Investment has undergone a strict offline audit system, conducted strict qualification audit and on-the-spot investigation on enterprises applying for financing, excavated enterprise projects and project information with great investment value, and disclosed them to investors in detail. Love to invest and cooperate with experienced financing guarantee companies to guarantee loans. At the same time, the self-built risk control team will check the cooperative guarantee company and the projects submitted by the guarantee company after review to ensure that the investor's financial security can be effectively guaranteed. From the perspective of structured design concept, Ai Investment insists on letting professional institutions do professional things. Use the Internet to achieve information symmetry and efficient use of resources, so that investors can directly connect with demanders with financing needs, minimize complicated intermediate links, and let investors directly enjoy the growth dividend of enterprise operation and development. In contrast, the information of direct investment by enterprises is more transparent, and the income of investors has been significantly improved compared with other investment methods. Its main feature is 1 and its cost is low. Under the mode of Internet finance, both the fund supply and demand sides can complete information screening, matching, pricing and trading by themselves through the network platform, without traditional intermediary, transaction cost and monopoly profit. On the one hand, financial institutions can avoid the capital investment and operating costs of opening business outlets; On the other hand, consumers can quickly find their own financial products on an open and transparent platform, which weakens the degree of information asymmetry and saves time and effort. 2. High efficiency. Internet finance business is mainly handled by computers, and the operation process is completely standardized. Customers don't need to queue up, so the business process is faster and the user experience is better. For example, Ali Xiaoyu relies on the credit database accumulated by e-commerce. After data mining and analysis, the risk analysis and credit investigation model are introduced. It takes only a few seconds for merchants to apply for and issue loans, and they can complete 10000 loans every day, becoming a real "credit factory". 3. Wide coverage. Under the Internet financial mode, customers can break through the time and geographical restrictions and find the financial resources they need on the Internet, so that financial services are more direct and the customer base is wider. In addition, the customers of Internet finance are mainly small and micro enterprises, covering some blind spots of financial services in the traditional financial industry, which is conducive to improving the efficiency of resource allocation and promoting the development of the real economy. 4. Rapid development. Relying on the development of big data and e-commerce, Internet finance has grown rapidly. Taking Yu 'ebao as an example, Yu 'ebao went online 18 days, and the cumulative number of users reached more than 2.5 million, and the accumulated transferred funds reached 6.6 billion yuan. It is reported that the scale of Yu 'ebao is 50 billion yuan, which is the largest in Public Offering of Fund. 5. Weak management. First, risk control is weak. Internet finance is not connected to the credit information system of the People's Bank of China, and there is no credit information sharing mechanism. There is no risk control, compliance and collection mechanism similar to that of banks, which is prone to various risk problems. P2P online lending platforms such as Zhongdai.com and NetWin.com have declared bankruptcy or stopped serving. Second, the supervision is weak. Internet finance is in its infancy in China, with no regulatory and legal constraints, lack of access threshold and industry norms, and the whole industry faces many policy and legal risks. 6. The risk is high. First, the credit risk is high. At present, China's credit system is not perfect, and the relevant laws of Internet finance need to be matched. The default cost of Internet finance is low, and it is easy to induce risk problems such as malicious loan fraud and running away. In particular, the P2P online lending platform has become a hotbed for criminals to engage in illegal fund-raising and other criminal activities due to its low barriers to entry and lack of supervision. Since last year, P2P online lending platforms such as Tao Jin Loan, Youyi.com and Antai Zhuoyue have successively exposed "running away" incidents. Second, network security risks are high. China's Internet security problem is outstanding, and the problem of online financial crimes can not be ignored. Once hacked, the normal operation of internet finance will be affected, endangering consumers' financial security and personal information security.
4. Is the formal online lending platform safe? There are mainly these risks.
In most cases, if users are short of funds of several thousand yuan or tens of thousands of yuan, most people will be more willing to apply for loans on the online lending platform. Compared with bank loans, the application process of online lending platform is simpler and the lending speed is faster. Is the formal online lending platform safe? There are mainly these risks!
Is the formal online lending platform safe? The emergence of online loans has facilitated the lives of many people and brought great changes to some users. Some well-known small loan apps have even become more important consumption tools in people's lives. In reality, if users choose an informal online lending platform, they will often face multiple risks such as high interest rates and inability to repay. If the borrower chooses a formal online lending platform, the interest must be within the scope stipulated by the state, and the lending rate will also be recorded in the credit report. However, there are some risks if the operation is improper. 1, high penalty interest As long as it is a formal online lending platform, the loan interest is within the scope stipulated by the state. However, if the borrower accidentally overdue, the penalty interest of most online lending platforms is relatively high. Even some online lending platforms will have compound interest. If the interest keeps rolling, the possibility that the borrower wants to pay off the debt will only get smaller and smaller. 2. Credit information is damaged. Regular online lending platforms will register borrowers' loan and repayment records. The borrower's online loan is overdue, first of all, the credit is damaged, and there will be some tainted records on it. The longer the overdue period, the more serious the credit damage. If the borrower is not careful, it will be difficult for him to apply for any credit business from other financial institutions in the future. The above is "Is the formal online lending platform safe?" I hope I can help you!