The next one has a high conscience loan, and the pass rate of the next one is over 90%.
With the continuous development of the Internet, there are more and more online lending platforms in China. Every day, countless online loan openings are born, and countless loan openings fall.
Therefore, for loan users, the first problem that everyone faces when borrowing money is to choose a good loan platform. Here, I would like to introduce several high-quality conscience loans to you.
1, money to spend.
Qianhua is a personal credit brand launched by Xiaoman Finance, a term financing platform under Baidu.
This brand mainly provides personal credit loan services for users who need to borrow money. The loan products provided by the rich flowers mainly include all-easy loans, exclusive loans and short-term loans.
(Click here to test the consumption amount for free)
Among them, Iman Loan supports users to apply for a loan amount on their own initiative, with a maximum loan amount of 200,000 and a minimum daily loan interest rate of 0.02%. Users who need to borrow money can download and APPly for loans through major mobile app stores.
2. The ant borrowed it.
Ant Borrowing is a credit loan product in Alipay, with a maximum loan amount of 300,000. Users with financial needs can APPly for loans directly through Alipay without downloading the app separately.
The loan funds will be directly distributed to the bank card account designated by the user. It is worth noting that at present, borrowing is open by invitation, and only invited users have the opportunity to open borrowing.
3. Microfinance.
Micro-loan is a credit loan product under Weizhong Bank, with a maximum loan amount of 300,000. The specific amount is determined by the micro-loan system according to the comprehensive evaluation of user credit and qualification.
Micro-loan is opened by Weizhong Bank in the form of white list invitation, and only invited users can find the entrance of micro-loan loan on WeChat or QQ.
Although the loan threshold of online lending platform is lower than that of bank loans, this does not mean that online lending is a zero threshold. The following methods are conducive to improving the pass rate of online loans:
1. When filling in the loan application materials, fill in the personal information accurately and provide as much work information and financial information as possible, which can reflect the borrower's repayment ability;
2. Pay attention to keep a good credit record at ordinary times.
The online lending platform will have certain requirements for the borrower's personal credit. If the credit is not good, it is likely that the loan will be rejected. Therefore, when using credit products, everyone should pay attention to repayment on time;
Second, how to choose the latest loan forum
How to contact? The loan is 10,000 yuan, telephone number13975981210.
3. What are the hit anti-fraud rules?
I. Fraud classification system
1. On the scale of committing crimes, credit anti-fraud can generally be divided into individual fraud and team fraud.
2. Risk attribution can be divided into the following seven categories:
(1) White household risk: the borrower's information is missing, and there is not enough data to evaluate the borrower's risk. Including internal white households (newly registered users, no loan application history) and external white households (central bank credit information, uncovered third-party private credit information). Because there is no loan application record, blacklist rules and long rules will be invalid. When dealing with white families, we should be alert to the possibility that they will be used by black property.
(2) Risk of illegal account: the borrower has a record of overdue, dishonesty and fraud. Including internal black accounts (many historical orders are overdue, orders in transit are lost, etc.). ), external black households (central bank credit/black, third-party private credit). Out of showing off and other psychology, many black households will exchange their loan experience with QQ group in Kouzi Forum, so we can find new modus operandi through public opinion monitoring of the Forum and undercover of Black Production Group.
(3) Malicious fraud: The borrower deliberately falsified information to defraud the loan. For example, falsifying the running records of bills in an attempt to defraud a higher amount. Generally speaking, they are lending brothers, familiar with the processes of various platforms and well versed in routines. Malicious fraudsters often borrow money everywhere, cast a wide net and increase the probability of lending. At the same time, it may involve bad hobbies (pornography and gambling).
(4) Identity fraudulent use: fraudulent use of another person's identity to defraud loans. Including acquaintances (relatives, friends and classmates, etc.). ) and others steal (buy four sets of others, disclose personal privacy information, etc. ). Generally, the borrower's identity can be verified by means of credit review, face recognition and live verification.
(5) Supporting loans with loans: robbing Peter to pay Paul to maintain bad consumption (gambling, drugs, luxury goods, etc. The borrower's cash flow income mainly depends on continuous borrowing, borrowing money from the next family and paying off the debts of the last family. This game of delivering packages will gradually enlarge the debt risk leverage. Once the borrower can no longer borrow money, the capital chain will break immediately and all platforms will be overdue. At present, there are third-party credit reporting agencies in the market, such as Dun, Bai Rong and Yimei, which provide such multi-head lending products and services.
(6) Intermediary risk: black intermediaries cajole or solicit customers to defraud loans. Online lending intermediaries have advantages and disadvantages. A good intermediary can help the platform to divert water (similar to a loan supermarket) and increase market share; Black intermediaries will carry out large-scale attacks on platform risk control vulnerabilities, causing huge financial losses. Black intermediaries can use white households to easily break through the wind control defense line and defraud white households of high handling fees. The black intermediary address book generally stores the customer's number; If it is a remote loan operation, it may take video calls, remake photos and other ways to deal with living identification.
(7) MLM risk: there is the risk of centralized loan fraud by organizing fees and developing multi-level offline. Induce fraudulent member loans, while constantly paying old members with new membership fees, thus expanding the scale. Because old customers bring new ones, there is an obvious star structure from the relationship network.
Fourth, how to find the latest loan opening situation of the intermediary?
Conditions for applying for loan business:
18 to 65 years old
The actual age of the borrower and the loan application period should not exceed 70 years old;
The ability to repay the loan principal and interest;
Expropriation law;
Other conditions stipulated by the bank.