1, the regulatory authorities are different.
Online lending is approved and supervised by the China Banking Regulatory Commission, which stipulates that only leasing companies approved by it can be labeled as "finance".
Credit companies borrow (short-term) funds from financial markets, not involving the scale of credit, but involving funds or credit deposited by the public. Therefore, the amount of lease transactions (to prevent systemic risks caused by long-term use of short-term funds) should be included in the strict management of credit scale. Therefore, credit companies are supervised as loan departments.
2. Different characteristics
Online lending was born in economically developed countries such as North America and Europe in the late 1990s. Because its business development does not rely on physical outlets and physical counters, it has the remarkable characteristics of few institutions, skilled personnel and low cost.
Credit companies have the characteristics of high deposit interest, real-time, convenient, fast, low-cost and all-round 24-hour service, which are loved by more and more customers, and their number will increase rapidly and become a very important part of the banking industry in the future.
3. Different tax rate calculation methods?
The online loan calculation formula is:
Net operating income = operating income-operating expenses-depreciation of productive fixed assets-product tax+
Net rental income, net rental income of other assets and net rental income of converted self-owned housing, etc. The net income of property does not include the premium income from the transfer of ownership of assets.
The calculation formula of credit company's net income is: net transfer income = transfer income-transfer expenditure.
The income tax calculation formula is: the actual growth rate of per capita disposable income = (per capita disposable income in the reporting period/per capita disposable income in the base period)/consumer price index-100%.
4. Bill variance
Online loans issue ordinary VAT invoices and special VAT tickets, while credit companies can only issue ordinary VAT invoices. Special tickets, that is, ordinary taxpayers, can deduct part of the tax rate for the company. Credit companies cannot enter deductions.
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