Is P2P online lending safe? Is it reliable?

The P2P industry is currently mixed, and there are a lot of them, so you must be careful. However, there are still good platforms, such as the listing system, venture capital system, state-owned assets system, and banking platform are not bad.

Investment and financial management always need to pay attention to the allocation of assets, and not all the money can be gambled on one platform.

Now the P2P platform is mixed, and from personal experience, choosing a reliable platform can be followed by the following steps:

1.Look at the background of the platform, including whether it belongs to the listing department, state-owned assets department, banking department, venture capital department, registered and paid-in capital, and whether the founder team of the platform has a strong financial background or industry bosses; Talk to experienced investors, such as going to the home and lending friends to ask everyone's opinions or something.

2.Looking at the operation of the platform, the longer the platform has been established, the better, the larger the transaction scale of the platform, the better the number of registered users of the platform, and the more IP access to the platform per day (which can be queried through Alexa).

3.Look at the risk control of the platform, whether a third-party payment custody or better bank depository is used, whether there is cooperation between a small loan company and a guarantee company (the guarantee company is preferably a financing guarantee company), whether there is a risk reserve and whether the funds are depository.

4.Look at the user experience of the platform, look at the user experience of the official website, whether there is a wap**, whether there is an app, and how the experience of these products is. A well-intentioned platform will definitely spend the cost to do these well.

5.Looking at the reputation of the platform in the industry, some platforms are often deceived by investors with various fake information or deceiving users, and platforms with these behaviors should pay attention.

Hello, borrowing money with Internet credit products is currently a very common and commonly used way to borrow money, and it is recommended that you choose a safe and reliable platform when using it, such as having money to spend.

"Rich to spend" is the original financial credit service brand, using artificial intelligence and big data risk control technology, to bring users convenient, fast and reassuring Internet credit services, simple application materials, the fastest 30 seconds for approval, the fastest 3 minutes for loans. Early repayment is possible, and the recovery limit can be revolving after repayment. It has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security.

I hope this is helpful to you, click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

Summary. 1. Platform qualifications: safe and reliable online loans must have qualifications, that is, to obtain the license issued by the China Banking and Insurance Regulatory Commission, such as banks must have bank licenses, lending institutions must have small loan licenses, so as to engage in loan services, such as the kind of unlicensed small loans must be informal.

2. Loan interest rate: A safe and reliable online loan must not be a loan shark, and the loan interest rate must also meet the requirements. For example, the interest rate of private lending cannot exceed 4 times of the LPR in the same period, and bank loans and loans from licensed financial institutions are not private loans, as long as the annual interest rate does not exceed 24%, it does not violate the relevant provisions of the law.

3. Loan term: The strength of the safe and reliable online loan platform itself will be relatively strong, and it can continue to operate for a long time, and the loan term provided to borrowers will not be too short, and most of the terms can be more than 6 months. Informal platforms have to rely on ** loans to maintain operations, and the loan term will be relatively short, and the length of the loan will not exceed 3 months.

Is online lending reliable and safe?

Hello, is online lending reliableIs it safe: safe and reliable, safe and reliable online loan platforms are formal platforms, the typical characteristics of this type of platform are that they have lending qualifications, loan interest rates are compliant, and the loan term is relatively long, so to judge whether a platform is safe and reliable, you can judge from the loan platform qualifications, loan interest rates, and loan terms.

1. Platform qualifications: safe and reliable online loans must have qualifications, that is, to obtain the license issued by the China Banking and Insurance Regulatory Commission, such as banks must have bank licenses, lending institutions must have small loan licenses, so as to engage in loan services, such as the kind of unlicensed small loans must be informal. 2. Loan interest rate:

A safe and reliable online loan must not be a loan shark, and the loan interest rate must also meet the requirements. For example, the interest rate of private lending cannot exceed 4 times of the LPR in the same period, and bank loans and loans from licensed financial institutions are not private loans, as long as the annual interest rate does not exceed 24%, it does not violate the relevant provisions of the law. 3. Loan term:

The strength of the safe and reliable online lending platform itself will also be relatively strong, and it can continue to operate for a long time, and the loan term provided to borrowers will not be too short, and most of the terms can be more than 6 months. Informal platforms have to rely on ** loans to maintain operations, and the loan term will be relatively short, and the length of the loan will not exceed 3 months.

The more reliable online loan platforms are: 1. Du Xiaoman IOU. 3. JD Finance. 4. Ctrip Finance. 5. Immediate consumer finance. 6. Central Plains Consumer Finance. 7. Alipay. 8. Zhaolian Financial.

All of these you recommend can be loaned, right?

Hello, they are all regular online loans.

1. Borrowing 2, Jingdong Gold Bar IOU 4, Micro Loan 5, Anyihua 6, Meituan Borrowing 7, Zhaolian Good Loan 8, Weibo Borrowing 9, Rong e Wallet 10, Zhongyuan Consumer Finance.

The formal online lending platforms are:There is money to spend, ant to borrow, micro loans, and Zhaolian good loans

1. Have money to spend.

Youqianhua is the original financial credit service brand, positioned to provide personal consumption credit services for the public, to create an innovative consumer credit model, with a strong background strength, Youqianhua provides personal credit loan products such as full easy loan, exclusive loan, etc., which can undertake the needs of most borrowers.

The maximum amount of the full easy loan is 200,000, and the daily interest rate is up to 200,000 according to the personal situation, and the loan can be repaid at any time, and no handling fee will be charged. The maximum amount of the privilege loan is 300,000, and the monthly rate is as low as. The repayment amount will be restored after the instalment repayment.

2. Ants borrow.

Borrowing is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is generally at any time.

The product can choose to repay the interest first and then the principal.

3. Micro loans.

WeLoan is a pure online microcredit revolving consumer loan product launched by WeBank for WeChat users and QQ users on mobile phones, and it is affiliated to Tencent, an Internet company. The interest rate of the micro loan is charged on a daily basis, and the daily interest rate of the loan varies from person to person, and the comprehensive loan interest rate is around the limit. The repayment amount will not be restored after the instalment repayment.

4. Zhaolian good term loan.

Good term loan is a credit loan, which is the first personal consumption loan product launched by Zhaolian Consumer Finance Company. The quota of Zhaolian Good Term Loan is RMB 10,000-200,000, and the limit is valid for 3 years, and the quota can be recycled within 3 years. If you choose to repay in installments, it is not cost-effective, it is an equal principal and interest repayment method, which is suitable for short-term turnover.

Expand the information of the leakage exhibition

Judgment of the regular platform.

1. Application threshold.

Normally, lenders will choose to lend money to qualified users, so as to ensure that their money can be recovered on time. However, it is unreasonable to have a very low threshold such as an online lending platform that ignores black accounts and does not need sesame points.

Therefore, if it can give such a low application requirement, there must be other returns, such as high interest rates, or simply a ** platform that deceives customer information for sale. Therefore, when you choose an online loan platform, you should choose a platform that has normal requirements for users, and it is best not to apply if the search requirements are too low.

2. Upfront costs.

The fees charged by formal lending institutions are charged after the loan is successfully disbursed, and there will be no fees before the loan is disbursed. However, there are many small loan platforms that use various means to ask users for fees before lending, but after the payment is successful, they may not be able to make the next payment.

3. Loan interest.

The interest rate on private loans stipulated by the state cannot exceed 36% per annum, and some borrowers who exceed 36% do not need to repay, so the loan interest of formal institutions is controlled within 36% per annum.