P2p online lending platform p2p formal online lending platform

What are the regular online lending platforms?

Ten official online loans and ten conscience loan platforms recognized by the state:

Ten conscience loan platforms are all screened out through online data, and it is impossible to say which product is better. Different loan platforms have different application conditions and audit standards. It can only be said that what is suitable for users is the best. Moreover, according to different selection criteria, the ranking of the top ten conscience loan platforms will change, and even the product names of the top ten conscience loan platforms on different websites are different.

Small and medium-sized loans: it can provide 300,000-200,000 credit loans to mainland residents aged 22-55, with the longest term of 12 months and the annualized interest rate as low as 7.2%. After real-name registration system mobile phone number is registered and logged in, I will use my valid second-generation ID card for face recognition authentication. If the bound bank reaches the limit, it can lend money, and it can be approved in 5 seconds at the earliest.

Doudou: pure credit loan, only open to non-student users aged 20~50. You need to submit an application form at the client and upload your ID card. You can borrow money by binding the bank card and completing the authentication. The limit is 3000-50000, the longest loan period is 24 months, and the monthly interest rate is 0.65%- 1.79%. The system will automatically review, and the loan can be released on the same day at the earliest.

Fast e-loan: CCB has many loan products, including financing e-loan, pledge loan, car e-loan, car e-loan, fast e-loan and so on. The lowest threshold is fast e-loan. As long as you do business in CCB (such as saving money, buying wealth management, national debt, funds, loans, paying wages, etc.). ).), you will have the opportunity to get a one-year1000-300,000 yuan quota.

The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!

What are the regular online lending platforms?

Formal online lending platform:

1. pleasant loan was launched by creditease company in 20 12 and listed on the new York stock exchange in 20 15.

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. China Ping An's platform, lufax, was established in Shanghai on September 20 1 1, and was supported by the Shanghai Municipal Government.

4. Paipai Loan was established in June 2007 and listed on NYSE on 20 17. It is the first online lending platform in China.

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.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

Conditions required for online lending:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.

What are the platforms for p2p online lending?

First, pat the loan.

The first online loan company established in China only makes online unsecured loans, which has a high reputation and the number of active users is among the best in the online loan platform. However, since its establishment, Paipai has never promised to repay the principal and interest. It is hoped that investors will adopt the mode of small investment and diversified investment to control risks independently. As a result, under the impact of many platforms that promise to repay the principal and interest in advance, the transaction amount lags far behind.

Second, Junrong Loan

Junrong Loan's team brings together the elites of the banking and Internet industries, and has a deep understanding of the public's financing needs, bank loan products and wealth management products, and also has a considerable understanding of Internet entrepreneurship and operation. Junrong Loan is an Internet finance company that really conducts business based on Internet thinking. Junrong Loan, a new force in the online loan industry, has made eye-catching achievements in the first bid. The platform has won the trust of investors with its strong risk control capability. In 20 14, it took the lead in entering the field of supply chain finance with its own operational advantages. Recently, it also passed the strict Baidu white list audit and obtained the qualification certification of formal online loans.

Third, pleasant loans.

With the strong background of CreditEase, the largest offline P2P company in China, it has more advantages in brand awareness. The special bond transfer function is efficient, and the cash withdrawal basically arrives on the same day, and the professional level of telephone customer service is comparable to that of banks. It has shown the demeanor of a big company since its launch, and recently set a new record for borrowing speed.

What are the p2p platforms?

There are many p2p platforms, such as Renren Loan, Pleasant Loan, An Credit, Credit, Building Block, Renren Loan, Group Loan Network, Hongling Venture Capital, PPmoney, Paipai Loan, lufax, Youyou Loan, Jin Rong Bank, etc. These platforms are all formal, and users can rest assured to invest.

Generally, the security of the principal is not guaranteed when investing in p2p platform, mainly because the project income of investing in p2p platform is relatively high, generally around 10%, and investors may face the possibility of principal loss. On the p2p platform, users can borrow money or lend it. You need to pay interest after borrowing money.

On the p2p platform, users can choose to borrow money or lend money according to their own needs. Generally speaking, borrowing money requires more interest. After all, the platform will charge a certain service fee for profit. Regular p2p platform should repay on time, otherwise it will have an impact on personal credit information, and poor credit information will affect loans.

After p2p platform loans overdue, the platform will take various ways to collect money, such as reminding users at first and calling users directly afterwards. If the borrower does not pay back, the platform will call friends around the borrower. If it has not been returned, the p2p platform will pay attention to the borrower.

Which online loans belong to p2p

The online lending platforms belonging to p2p include: pleasant loans; Junrong loan; Pat and loan, etc.

Pleasant Loan has a strong background of CreditEase, the largest offline P2P company in China, and has an advantage in brand awareness. The special bond transfer function is efficient, and the cash withdrawal basically arrives on the same day, and the professional level of telephone customer service is comparable to that of banks.

Paipai Loan is the first online loan company established in China. Only online unsecured and unsecured loans are made, and the popularity is high. The number of active users is among the best in the online lending platform. However, since its establishment, Paipai has never promised to repay the principal and interest. It is hoped that investors will adopt the mode of small investment and diversified investment to control risks independently. As a result, under the impact of many platforms that promise to repay the principal and interest in advance, the transaction amount lags far behind.

So much for the introduction of p2p formal online lending platform.