Is Shunfeng Yizhan a legal online loan platform?

If you need a loan, it is recommended to handle it through formal channels, and you can consider applying for the online quick loan business of the Agricultural Bank of China Application conditions (1) Basic conditions 1Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2.

Possess a valid legal ID. 3.E-banking customers of our bank and holding a security authentication tool issued by our bank.

At present, only the second-generation K treasure customers are supported) 4Good credit profile, 5There is no unexpired loan amount and no outstanding balance of the loan.

6.Stable income and ability to repay credit on time. 7.

The purpose of the loan is reasonable and clear.

The loan amount for applying for a network quick loan is 3,000 yuan to 300,000 yuan; The loan limit is valid for 30 days, and the borrower needs to use the loan within the validity period of the loan.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

Purpose of NetJet Loan:

1) The online quick loan business is used for personal consumption and shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.

2) The online fast loan adopts the method of issuing cash credit.

The annual interest rate of NetRapid Loan: The interest rate of mortgage customers will rise by 15%, and the interest rate of non-mortgage customers will rise from 15% to 50%. The Bank will make interest rate adjustments in a timely manner according to market conditions.

I haven't heard of it, but the name should be the kind of anti-aircraft artillery with high interest.

It is legal to borrow money from an online lending platform that is regulated by the relevant regulatory authorities.

The Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases issued by the Supreme People's Court point out that if the provider of a P2P online lending platform expressly states or has other evidence through a website, advertisement or other media that it provides guarantee for the loan, the people's court may, at the request of the lender, rule that the provider of the P2P online lending platform bears the guarantee liability. It can be seen from this that the Provisions are tantamount to "recognizing" the various guarantee acts carried out by P2P platforms and recognizing the legitimacy of loans borrowed by online lending platforms.

However, because there are many risks in the security of the current online lending platform, it is generally not recommended to borrow money on the online lending platform.

Online microloans.

It refers to the small loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

It can be seen that online lending itself is not illegal, but online lending induced illegal fundraising will still be a new high incidence point.

Online loans with normal interest rates are protected by law.

In September 2015, China's Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases came into effect, which requires that if the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid.

The judicial red line of the statutory interest rate includes "two limits and three zones".

Zone 1 is more than 36% partially unprotected.

In the second district, more than 24 to 36% of the natural debts are partly analogous, and if you give it, you cannot claim to return it, and if you don't give it, you can't claim it.

The part of the third zone is less than 24%, which is a legal interest and should be protected.

An online lending platform refers to a company that uses the intermediary to connect borrowers and borrowers to meet their respective lending needs. The borrower can be unsecured or secured. So it is not usury.

Online lending includes individual online lending and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms.

Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Unsecured online loans are inherently illegal, and granting loans without knowing the lender's economic situation and living environment puts the lender in a dangerous situation, colludes with economic fraud, and harms the people.

Illegal fake Don't believe it.

It's all a lie. Don't believe it, everybody.

Ruyi Loan has ceased operations since 2016. Since 2018, there have been ** in Yunnan and Hunan fraudulently using the name of Ruyi Loan and the business license of its registered company to defraud the deposit! Keep your eyes peeled and don't be fooled!

You can pay more attention to some information** such as Fortuna Butler There will be a lot of illegal platforms above.

According to the provisions of the Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries, P2P platforms that are legally repositioned will be closed down if they do not comply with the regulations.

Five interpretations of the policy:

Clause. 1. Clarify the joint supervision of **regulatory departments and local governments**.

Interpretation: The asset side and wealth management side of most platforms are operated across regions, which determines that supervision cannot only rely on local governments, and even requires multiple joint cooperation. The regulatory department is responsible for formulating policies and grasping the development direction of the industry, and the local government is responsible for specific supervision and implementation.

For illegal business platforms, it is necessary for the regulatory authorities and local governments to jointly crack down on violations of laws and regulations.

Clause. 2. Make it clear that online lending institutions are information intermediaries rather than credit intermediaries.

Interpretation: Clarifying that online lending platforms are information intermediaries rather than credit intermediaries actually requires the platform not to promise to guarantee principal and interest, and clarifies the positioning of online lending platform information intermediaries. For some platforms to promote with guaranteed principal and interest, it is actually misleading investors to ignore investment risks, but only pay attention to the background and commitment of the platform.

Clause. 3. Clarify the small and decentralized business model of online lending institutions.

Interpretation: On the basis of the draft for comments, the Interim Measures for the Administration of Online Lending further clarify that platforms should follow a small-amount and decentralized business model. The Interim Measures for Online Lending clearly stipulate that an individual cannot borrow more than 200,000 yuan on one platform, and a total of 1 million yuan on other platforms; Enterprises cannot borrow more than 1 million yuan on one platform, and cannot borrow more than 5 million yuan on other platforms.

Micro-amount dispersion is in line with the original intention of online lending platforms to serve small and micro enterprises and inclusive finance, and micro-de-denomination is also an effective way to effectively control the systemic risks of online lending platforms.

Clause. 4. Clarify that the Mutual Finance Association shall perform the functions of an industry self-regulatory organization.

Interpretation: As a state-level industry association jointly established by the central bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission, the China Insurance Regulatory Commission and other departments, the Internet Finance Association has reason to undertake the important task of self-discipline organization and guide the healthy development of the industry.

Clause. 5. It is clarified that online lending platforms must focus on their main business and cannot operate in a mixed business.

Interpretation: The draft for comments on online lending prohibits the sale of bank wealth management, brokerage asset management, **, insurance or trust products. The Interim Measures for Online Lending further emphasize that online lending platforms shall not carry out acts such as the transfer of creditor's rights in the form of asset-like **.

The loan must meet its conditions before it can be loaned.

Loan processing conditions:

1. Chinese citizens aged 18-65 who have a fixed residence in China, have a permanent residence in a local town, have full capacity for civil conduct;

2. Have a good job with a proper and stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with national regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Business Loan Application Criteria:

Have a legal status of residence;

Have a stable occupation and income;

Ability to repay the principal and interest of the loan on schedule;

There are assets approved by the lending bank as collateral or pledge, and/or there is a guarantor who meets the prescribed conditions to guarantee them;

There is a contract or agreement for the purchase of housing;

At the time of applying for the loan, the applicant must have a deposit of not less than 30% of the funds required for the purchase of the house in CCB, and if the advance payment has been made to the selling unit, the original and photocopy of the payment receipt must be provided;

Other conditions stipulated by the lender.

It is recommended to apply for a loan through bank channels, China Merchants Bank has a flash loan business, and currently you can only apply through mobile banking, or check whether you are eligible to apply.

If you have a CMB savings card, you can log in to the mobile banking and go to the application page in My All My Loans My Flash Loan.

The maximum loan amount is 300,000 yuan, and the minimum loan amount is 1,000 yuan; Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.