1, Jiebao Consumer Company is fake. Some netizens called Jiebao Consumer Company a fraud company. The above loans are basically once a week, and the cycle is as high as 30%. Lending treasure itself is only a platform for Party A and Party B to sign IOUs, and does not borrow money.
2, the government's supervision of these companies is not in place, because these are new problems, the traditional loans are state-owned banks, or a loan company. There are a number of online loans now, but these are legal gaps, so if you want to borrow money, try to borrow money from big companies to avoid being cheated.
3. If you want to borrow money now, you must choose a formal lending platform. At present, the formal lending platforms are all lending products of some big platforms. There will be no regular usury in this lending platform. For example, Xiaoman's rich flower platform, WeChat's micro-loan, Alipay's flower garden and JD.COM's JD.COM White Bar all have strong backgrounds. Although there is a formal platform for borrowing money, we should pay attention to borrowing less and don't develop such a way of borrowing money. This is a road of no return, and it is easy to get yourself into a situation of unclear debts. The loan amount will be shown in the credit investigation. If the number of applications is too large, subsequent loans may be difficult to get, and some loans may be difficult to pass.
One: Why can't the loan application come down?
At present, the application cannot be approved. Perhaps the first reason is that there is something wrong with the borrower's credit information, because some platforms and banks can cooperate to check the borrower's credit information. If the borrower's credit is not good, the loan platform is unwilling to lend to the borrower. In addition, the overdue or default of the loan platform will have a significant impact on the loans of other loan platforms. Third, online loans can't solve your problems in most cases, and many online loans are relatively risky. Although some loan platforms have strict qualification review and risk control measures for loans, they often encounter other problems, such as very high annual interest rates. In fact, it is hard to say whether you can pay off your debts and how much it will affect your life and work.