1, "My Nanjing" APP loan service is a kind of online loan service, which belongs to peer-to-peer lending. This service facilitates and automates the loan process through Internet technology and big data analysis. Users can submit loan applications through the APP, and the platform will evaluate the credit status and qualifications of users and quickly give credit lines. This service provides users with a convenient and quick way to borrow money, but at the same time, they need to pay attention to the risks of borrowing and ensure that they have the ability to repay on time.
2. Some online lending platforms may charge higher interest and fees, resulting in a higher debt burden for borrowers. Therefore, when choosing an online lending platform, you need to carefully compare the interest rates and fees of different platforms and choose the platform that suits you best. When applying for online loan, the borrower needs to submit some personal information, such as name, ID number and contact information. If this information is obtained by criminals, it may lead to information leakage and abuse. Therefore, when choosing an online lending platform, we must ensure that the platform has sufficient information security measures.