First, the ability to resist risks
1. Wenzhou Lending: Compared with the population of 600,000 in Erdos, the borrowing base of 9 million people in Wenzhou is huge, and the risk is several times that of Erdos.
2. Ordos private lending: Ordos lending is more reflected in the acquaintance society, but only in the circle. According to the survey of Inner Mongolia University, 50% of urban residents in Erdos participated in the loan fund activities, but compared with Wenzhou, the risk was lower.
Second, the investment of funds.
1, Wenzhou Lending: When Wenzhou lends money, I don't know where the money went, and almost no one will ask. For Wenzhou people, in order to make money, they will only ask, how much is the monthly interest and how long it will take to return the money.
2. Ordos Private Lending: According to the Investigation Report on Private Capital Investment in China, the funds for Ordos real estate development mainly come from private lending, not traditional banks. Ordos private lending funds have a clear destination, such as coal mines or real estate, which are the two industries that have invested the most so far.
Third, the scope is different.
1, Wenzhou Lending: Wenzhou private lending has a wider influence, with a flood of funds flying all over the sky, covering all industries and bringing more serious social impact.
2. Ordos private lending:? Compared with private lending in Ordos, it has a smaller scope of influence, almost all of which is invested in the real estate industry, and most of the local private lending funds are used locally.
Extended data:
Private lending can occur between natural persons, natural persons and legal persons or other organizations, legal persons and other organizations, and natural persons and legal persons.
Where a legal person or other organization raises funds from employees in the form of loans for the production and operation of the unit, as long as there are no circumstances as stipulated in Article 52 of the Contract Law of People's Republic of China (PRC) and Article 14 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, the private lending contract is valid.
Financial institutions engaged in loan business and their branches established with the approval of financial supervision departments, and related financial businesses such as issuing loans do not belong to the category of private lending.
Where the borrower and the lender have not agreed or clearly agreed on the place of performance of the contract, and no supplementary agreement has been reached afterwards, and it is still uncertain according to the relevant provisions of the contract or trading habits, the place of performance of the contract is the location of the payee. There are two situations in the so-called "the location of the payee" in private lending disputes: one is the location of the lender and the other is the location of the borrower.