Le Loan is a micro-credit loan product developed by Shanghai Maiguang Network Technology Co., Ltd.
20 19 12.5 according to the national network security notification center, since 20 19 1 1, the network security departments of public security organs across the country have concentrated on investigating and punishing 100 illegal apps and Internet companies they operate. Including music loans.
Tips: Peer-to-peer lending is risky, so choose carefully. If there is capital demand, Ping An Bank has also launched a variety of loans to meet the capital needs of customers. Among them, the new loans are unsecured and unsecured credit loans. Simple procedures and quick approval. Lending can be made within 1 working day at the earliest, with a quota of 300,000-500,000. You can log in to Ping An Pocket Bank APP- Finance-Loan-New Loan to find out and try to apply.
Reply time: 202 1- 12-28. Please refer to the latest business changes announced by Ping An Bank in official website.
Le credit, right
No, it's reliable. Le Loan app is a pure online micro-credit service platform in mobile phones jointly launched by Shanghai Maiguang Entertainment and Bank of China Consumer Finance. There are all kinds of loan products with low interest. You can borrow money without mortgage and guarantee, and the operation is simple and convenient.
Features of Le Loan:
1. Fast loan, 5 minutes for application and 2 minutes for receipt.
2. Ultra-low interest rate, 8/10000 daily interest rate, free application.
3.500-5,000 yuan, 30-day loan period, prepayment and daily expenses.
4. No mortgage, no guarantee, you can use your ID card to borrow money, and you can always use your mobile phone to operate.
The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.
Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.
What platform is the music loan platform?
Le Loan Network is an Internet financial service platform, which is committed to providing investors with safe, secure and high-yield Internet financial services and solving the financing difficulties for small and medium-sized enterprises. Through the above analysis, we can also see that Leyin.com is relatively reliable, and the platform has disclosed relevant qualifications and operational data, so it should be a regular platform.
Reliability of Le Loan Network:
I. Safety of funds
1. Third-party fund custody: Leyin.com and Remittance.com have reached a cooperative relationship, and the funds are supervised by a third party, Remittance.com. No one has the right to operate your fund account except yourself. Strictly following the regulatory principle of peer-to-peer lending, Remittance.com opened a special account for third-party funds for Leyin.com. Remittance.com's special fund account can manage the outflow of funds, and Remittance.com will review the funds in the account to ensure the safety of investors' funds.
2. Data security: the access layer, application layer and data layer cluster of the three-layer firewall isolation system; Effective intrusion prevention and disaster recovery backup to ensure the security of transaction data;
3. Privacy: Leyin.com will not sell, rent or disclose your information in any way under any circumstances. According to the Leyin.com Investment Consulting Service Agreement, your information will be strictly protected. ..
II. Platform Risk Control
Cooperative guarantee institutions and Leyin. com have conducted strict audits on each loan project:
1. The cooperative guarantee institution conducts off-line field visits to each loan to cross-check and verify the authenticity of the borrower's information;
2. Audit materials, including 15 borrower's bank account, credit report, property certificate, real estate license, work certificate and other necessary materials;
3. Investigate the background of borrowers and contacts in detail. The borrower needs to provide three contact methods, all of which are verified by the small loan company and the borrower by telephone;
4. Assessment of the borrower's repayment ability.
Through the above three audits (especially 1 and 2), the borrower's real monthly net cash flow is restored. After passing the above four audits, the borrower was recommended to Leyue.com, and the risk control team of Leyue.com conducted a second audit on the borrower according to its own risk control standards.
(1) Review the loan information again to ensure that the loan provided by the cooperative organization is authentic. Confirm its identity, contact person and repayment ability, and query the anti-fraud database and the records of the executed person according to the customer identity information;
(2) Check four categories 14 credit information of borrowers (including personal information, credit information, property information and work information) to ensure that each loan is of high quality;
(3) Blacklist management: dynamic data management of the borrower's blacklist.