Are online loans all rectified now? 10

Yes, because recently large and small mesh bags have begun to risk control, risk control refers to the increase in audit requirements, it is not easy to make payments, too many overdue indexes, that is to say, many people borrow and are unable to repay, and then the loan company will go to collect, burst the address book, you see, those people are really sick, they can't afford to borrow, they can't borrow it, the loan company must collect the debt, explode the address book, notify everyone around the creditor, and then many creditors can't think of it and commit suicide. Ridiculous, right? This has led to the country's helplessness against this piece, you see, you can't afford to borrow it, people ask you for money and you don't have the money to give, p picture to clean you and then explode the address book, ** can't care, you can only collect it like this if you don't pay the money, otherwise it's just a hit**?

Hit ** or don't pay back. Walk the law? Go through the legal process for at least two years, and after two years, people will pay it back, and what kind of law will they take.

Directly exploding the address book, there is nothing to pity for those people. The wretched will have something to hate.

Of course, there is rectification, and the tightening of today's regulatory policies and the crackdown on the old lai are the rectification measures for online lending.

If you are already a China Merchants Bank user and have the China Merchants Bank mobile banking app, you can try to try it by logging in to the mobile banking, My-All-Loan-I want to borrow money; or borrowing money by credit card; Log in to Pocket Life and click on the "Card" below. Finance" - "I want to borrow money" is subject to the review results. Non-CMB credit cards can try to apply for an "e-number loan" and operate in the palm of China Merchants Bank.

Summary. Hello dear, happy to answer your <>

Online lending was halted by the state: Paipai Loan: In November 2019, a ruling issued by the Shanghai Financial Court showed that Paipai was suspected of issuing high-interest loans in violation of regulations and had been suspended.

WeCredit.com: In March 2018, the Shanghai Municipal Financial Office issued a notice requiring WeLoan.com to stop all online lending business and clean up all illegal lending information on its platform. Huijin.com:

In September 2019, the People's Bank of China, the China Banking and Insurance Regulatory Commission and other seven ministries and commissions jointly issued the Notice on Further Improving the Special Rectification of Online Lending Risks, and Huijin was included in the rectification list, requiring the immediate cessation of online lending business. Qiandian: In March 2018, the Shanghai Municipal Financial Office issued a notice requiring Qiandian to stop all online lending business and clean up all illegal lending information on its platform.

Which online loans have been stopped by the state.

Hello dear, happy to answer your <>

Online lending was halted by the state: Paipai Loan: In November 2019, a ruling issued by the Shanghai Financial Court showed that Paipai was suspected of issuing high-interest loans in violation of regulations and had been suspended.

WeLoan.com: In March 2018, the Shanghai Municipal Financial Office issued a notice requiring WeLoan.com to stop all online lending business and clean up all illegal lending information on its platform. Huijin.com:

In September 2019, the People's Bank of China, the China Banking and Insurance Regulatory Commission and other seven ministries and commissions jointly issued the "Notice on Further Improving the Special Rectification of Online Lending Risks". Qiandian: In March 2018, the Shanghai Municipal Financial Office issued a notice requiring Qiandian to stop all online lending business and clean up all illegal lending information on its platform.

Online loans, i.e., online key shed grinding loans, refer to the borrowing and laughing loan business carried out through Internet platforms. Compared with traditional bank loans, the online lending platform has realized first-class draft evaluation, automatic review and rapid lending with the help of Internet technology, big data analysis and other means, which has greatly improved the efficiency of borrowing and lending.

Why not.

Hello dear, happy to answer your <>

Online lending was halted by the state: Paipai Loan: In November 2019, a ruling issued by the Shanghai Financial Court showed that Paipai was suspected of issuing high-interest loans in violation of regulations and had been suspended.

WeLoan.com: In March 2018, the Shanghai Municipal Financial Office issued a notice requiring WeLoan.com to stop all online lending business and clean up all illegal lending information on its platform. Huijin.com:

In September 2019, the People's Bank of China, the China Banking and Insurance Regulatory Commission and other seven ministries and commissions jointly issued the "Notice on Further Improving the Special Rectification of Online Lending Risks". Qiandian: In March 2018, the Shanghai Municipal Financial Office issued a notice requiring Qiandian to stop all online lending business and clean up all illegal lending information on its platform.

It will be put, but the audit will become strict.

The reasons are as follows: 1. The amount of loans that can be allocated has decreased.

At the end of the year, a year-end assessment will be conducted, and the payment progress will be reviewed for the loan and the money released every year. So the funds will be raised before the end of the year, and the funds that can be recovered will also be recovered.

2. The quota is tightened.

Due to the large demand for funds at the end of the year, the loan plan and amount allocated at the end of the year are usually the least.

3. Increased demand.

4. Get off to a good start.

In order to grow the business in the coming year, there is a phenomenon of deliberately lowering the quota at the end of the year, and even if the loans approved at the end of the year are not disbursed until January next year, so as to increase the loan amount in January next year and achieve a "good start".

Due to various reasons, the supply of funds in the market decreased at the end of the year, but the increasing demand for loans in the market made it more difficult to obtain loans at the end of the year, and at the same time, the cost also increased.

Further information: The harms of online lending are as follows:

1. Some online loan platforms.

The rates are not clearly indicated, in the handling fee, overdue fee, liquidated damages.

There is a certain degree of concealment in the expression, which may lock the loan students tightly, and once the repayment is overdue, the college students are likely to be unable to bear the loss of funds and cause advanced consumption.

of the credit crisis.

2. Due to the low threshold for online loan installment consumption, it provides a platform for college students to consume ahead of time and luxury, but many college students are in debt due to impulsive consumption, which brings trouble to normal learning.

3. Once there is a situation of overdue repayment, it will affect the personal credit of college students in the bank.

Once there is a personal credit stain, after stepping into the society in the future, whether it is applying for a credit card or applying for a loan, it will have to pay a greater cost than others and may even be rejected. In addition, in the event of an accident in these small online loan companies, the student ID card of the college student.

and ID cards and other private information also have the potential to be leaked.

Is it true that the order to close all online loans.

**The news ordering the closure of all online loans is fake. At present, there are many online loan platforms in the market, and the state is strictly rectifying, and online lending platforms will become more and more standardized after rectification.

Online lending is an important part of the country's financial system, and it will not close all online lending platforms, and there is no document to close online lending platforms, what the state can do is to strengthen the supervision of online loans, so that online loans can operate legally and allow online loan users to use them safely.

Online loan is what we call P2P, personal and personal views through the Internet to achieve cash lending, online loan platform is to build a lending bridge for individuals and individuals, in 2012 online loan development rapidly, more active online loan platform more than 350, as of April 2015, online loan platform has as many as 3054. With the increase of online lending platforms, there will inevitably be some institutions that operate in violation of laws and regulations, and the platforms run away or defraud, allowing users to fall into the trap of online lending.

What are the risks of online lending?

The interest rate of online loan platform wealth management is generally relatively high, and it is risky to buy wealth management on the platform or apply for personal loans on the platform, so let me talk about the risks of the online loan platform.

1. Qualification risk, the online loan platform is different from other financial institutions, such as banks and trust companies, the registered capital is very high, as much as billions, and the registered capital is empty of wax seed guarantee; However, the registration threshold of the online loan platform is relatively low, and there is no need for huge financial support, and the software established by the platform can generally be completed by thousands of yuan and tens of thousands of yuan.

2. Manage risks, online lending is an emerging industry, the development period is relatively short, the market is not mature, as an online loan company, the creation of the company is to make profits, lack of risk management personnel and management knowledge, resulting in a large number of bad debts after the operation of the platform, and may eventually face bankruptcy.

3. Capital risk, now the online loan platform requires that the bank deposit funds must be docked, but there are still many platforms that are not managed by a third party, investors put funds into the platform, which is directly managed by the platform, and the platform borrows for its own use, and the risk is not controlled by a third party, which will eventually let investors bear the consequences of the risk, which is also the reason why the platform donations run away.

4. Technical risk, the stability of technology can ensure the smooth operation of the platform, there are many online loan platforms that do not pay attention to technology, purchase web templates, make the computer operation system have vulnerabilities, suffer from malicious attacks, hacker attacks, modify investor account data, false recharge, etc.

Hello, you have money to spend as a regular platform, the loan is safe and reliable, trustworthy. Money is a credit brand of Du Xiaoman, providing users with safe and convenient, unsecured and unsecured credit services.

The daily interest rate of the consumer loan is as low as the daily interest rate and the annualized interest rate is as low as the annual interest rate, which has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the Duxiaoman APP-Youqianhua loan page. Hope this helps.