Don't borrow if you are not familiar with it, because there are criminals on the loan treasure who use the identity of the lost ID card to defraud. So when you register for a loan, the loan will remind you again and again not to lend it to strangers.
Explain the business model of Lending Bao:
1. Electronic loan contract platform. Borrowing money between relatives and friends, sometimes I can't save face to write a loan contract. It provides platform services. Both parties can book electronic contracts through Lending Treasure, which can call for debts. The profit points are mainly service fees, mainly debt collection fees and legal fees for overdue court proceedings. The service fee is borne by the debtor, and the creditor only needs to lend money, which is equivalent to the creditor's one-stop service platform.
2. Microfinance business. This is similar to JD.COM's gold bars and ant lending business. There is nothing to say.
Some people are obsessed with the problem of not getting credit after borrowing. Here's an explanation:
1. If you are applying for micro-loan business, it is the money borrowed from the lending institution. If you don't pay it back, you may get a negative credit. Then once it is listed as bad information in the credit report, whether it will be rejected in the future financial application becomes very important. Because bad information and illegal records will exist in the credit report. Sometimes some bad credit reports won't give you loans.
2. If you borrow money from others through the platform, it doesn't count. But you must pay attention here! If you don't repay the loan for more than 3 months, Lending Bao will represent you in court. At that time, you will not only pay back the money you borrowed, but also pay a high legal fee! Until the Supreme Court blacklist of untrustworthy people, this is much more horrible than credit reporting, and it can almost be said that it is difficult to move, so we must be cautious.