In other words, the channels of loans are all channels that can be borrowed in a broad sense, including intermediaries (the existence of this thing is to give you a handling fee and help you find loans from large and small channels); A formal management institution in a narrow sense, a contract signing lender. This time it is actually a channel in a narrow sense, so it is classified by institutions: 1. The bank. Don't be too general; Small demand: credit card (this consumer demand is very practical); General demand: consumer credit loan (5-30w), stable customers with good basic work, which depends on banks, such as China Bank, Huaxia Bank and Shanghai Pudong Development Bank. TZ didn't ask for interest, so it didn't start. Mortgage and real estate mortgage are the mainstream, and basic commercial banks do it. Great demand: commercial loans, credit and mortgages, which are related to banks' preference for enterprises. Summary: In principle, bank interest is the lowest in the market. Of course, there are certain requirements for customer qualifications. Many customers just didn't know their qualifications before. Write a special topic on this topic another day and discuss it. 2. Microfinance companies. This is that the private sector has a lot of capital. Ping An Pratt & Whitney, CreditEase, Jieyue, You and I Loan and other companies. All localities also have their own capital institutions. This is basically a credit loan, with a small amount ranging from tens of thousands to 1.5 million. Secondly, car loans are used for mortgage loans. Generally, there are car loan agencies in the local area. Summary: the interest is basically around 2 points. If the conditions are good, 1 point or more. 3. Online lending institutions. First of all, I am very optimistic about JD.COM White Stripes, Ant Flowers, Ant Loans and Micro-loans. Although they have never been used. . . . . Secondly, many organizations are also doing Internet data uploading and lending, which has not been studied. 4. Parents and friends. This channel is not impossible. When a friend is doing business, his parents owe him 390,000 yuan in interest. . It is really the most cost-effective family financial management. If you don't borrow it, your parents put the money in the bank and he went to the bank to borrow it, right? Even the national benchmark interest rate is ok. . . .
Second, what are the best loan platforms?
In recent years, the number of online lending platforms is increasing, and these lending platforms are mixed, so many problems need to be considered when actually choosing. So what are the best loan platforms?
1. Qianguan Renren Loan (security level AAA): Qianguan Renren Loan is a P2P investment and financing service platform launched by Qianguan Financial Information Service (Shanghai) Co., Ltd., which was officially put into operation in August of 13 with a registered capital of120,000 yuan. At the beginning of the establishment of the platform, the fund custody mode of remittance to the third-party payment company in the world was adopted, and the fund pool was not built to isolate the user funds from the platform.
2.P2P peer-to-peer lending platform: Qingdao Online (security level AA): Qingdao Online is affiliated to Shanghai Qingdao Online Financial Information Service Co., Ltd., and the founding team is a veteran from the financial and Internet industries, and the platform operation is highly specialized. A well-qualified third-party guarantee institution has been carefully selected to provide guarantee for 100% of the capital demand, so as to ensure that the interests of investors are fully protected.
3. P2P platform in peer-to-peer lending: Dangdang Loan (security level AA): Dangdang Loan is the first fully managed P2P platform in Shanghai. The platform has a perfect risk control guarantee system including six aspects of supervision. Through fund supervision, legal supervision and business supervision, the whole process of investment and financial management can be guaranteed 100% of principal and interest, and an ecological circle with standardized and orderly, multi-win and long-term development can be created. 2065438 was established on September 5, 2004 with a registered capital of 20 million.
4.P2P Peer-to-Peer Lending Platform: Lettuce Finance (security level A): Lettuce Finance was initiated by Rongdao.com and is the first state-owned Internet financial platform in Shanghai. The platform was launched in August 20 14, with a registered capital of11330,000 yuan. The platform cooperates with a number of guarantee companies. If the borrower is overdue, the guarantee company will compensate the principal and interest within 3 working days to ensure the guarantee of the principal and interest. The specific compensation amount shall be subject to the actual target. At present, no insurance company is involved.
There are so many best loan platforms.
Third, which platform is the best loan platform?
Recently, some students around me have successfully borrowed money from electric rabbits. I heard that this platform is quite good, with good reputation and high popularity.