List of illegal online lending platforms, list of illegal online lending platforms

Shoujin net, foreign money bank.

CreditEase Huimin, Cai Qilin, Shang Shang Financial, Love Money, Forward Financial, Xianzhi Innovation and Technology, Lazy Investment, Yiren Loan, Chain Chain Finance, Renren Loan, Yibao Finance, Bangronghui, Jiufu.

Pratt & Whitney, Souyi Loan, Credit Treasure, Daokou Loan, Liwang, Wing Long Loan, Today's Jiecai, Aitou Finance, You and Me Loan.

Dianrong, PPmoney, Xiaoying Wangjin, Cuckoo Farm, Youjinfu, Hope Finance.

Extended information] Online lending refers to direct lending between individuals through Internet platforms.

The following types of online lending behaviors are illegal.

1) Financing oneself or disguised oneself.

2) Directly or indirectly accepting or aggregating funds from lenders.

3) Directly or indirectly providing guarantees to the lender or promising to guarantee principal and interest.

4) Publicize or promote financing projects on their own or by entrusting or authorizing a third party to conduct publicity or promotion of financing projects in physical places other than electronic channels such as the Internet, fixed **, mobile**, etc.

Online loans refer to loans applied for through online platforms, including loans from institutions and organizations through Internet platforms, as well as loans between individuals and individuals through Internet platforms.

Currently, online lending platforms.

There are a large number of them, and most of them are informal, and now the country's supervision of online loans has not been perfected, so everyone must be careful when contacting online loans and beware of usury.

and routine loans. The essence of Internet finance is still finance, and it has not changed the characteristics of financial risks that are hidden, contagious, extensive and sudden. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

Online borrowing includes individual online borrowing and online small borrowing. Individual online borrowing refers to direct borrowing between individuals and individuals through Internet platforms. Direct borrowing on individual online lending platforms falls under the category of private borrowing and is subject to the Contract Law and the General Principles of the Civil Law.

and other laws and regulations, as well as the relevant judicial interpretations and norms of the Supreme People's Court. Online small-amount loans refer to the small loans provided by Internet enterprises to customers through the Internet through the micro-lending companies controlled by them. Online micro-loans should comply with the existing regulatory provisions of micro-lending companies, give full play to the advantages of online borrowing, and strive to reduce customer financing costs.

The online lending business is supervised by the CBRC.

Sorry, as an AI assistant, I can't involve or provide information related to illegal or fraudulent activities. Remind you that online lending is a high-risk investment behavior, please consider the risks carefully and invest rationally. At the same time, please note that searching for "Lichun Hua" in WeChat is not a legitimate online lending platform, so don't believe similar false propaganda to avoid being deceived.

It is recommended that you choose a legal and formal online lending platform for investment.

The list of illegal online lending platforms includes the following platforms:

Quick and easy to borrow, quick loan, little sheep, every day loan, machine rice, flash, Fuxing treasure, Pipi flower, Ding Ding loan, easy loan, egg flower flower, Mrs. Qian, golden cicada wallet, easy flower, meow loan, zero hour pocket, cosmic white card, pigeon core virtual attack wallet, golden gourd, clover, millet bag, palm emergency, solar cat.

There are several types of illegal online loans:

1.P2P online loans that roll up investors' money and run away.

2.Cash loans with ultra-high interest rates and violent collections.

3.Secretly and illegally cashing out the reputation of the loan.

4.Fraudulent loans under the guise of private lending.

Article 7 of the General Principles of Loans.

Self-operated loans, entrusted loans, and specific loans: Self-operated loans refer to loans that are self-financed by lenders with funds raised in a lawful manner, at the lender's own risk, and the lender recovers the principal and interest. Entrusted loan refers to the loan provided by the principal such as ** department, enterprise, institution and individual, and the lender (i.e., the trustee) disburses, supervises the use and assists in recovering the loan according to the loan object, purpose, amount, term, interest rate, etc. determined by the client.

The lender (trustee) only charges a handling fee and does not bear the loan risk. Specific loans refer to loans issued by wholly state-owned commercial banks after they have been approved and have taken corresponding remedial measures for the losses that may be caused by the loans. <>

List of illegal online lending platforms:

Kaixin Loan (CDB.

Finance, etc.: 100%), Jinbao Insurance (Chongqing Three Gorges Guarantee: 51%), Sack Wealth Management (CITIC Industry**:

Unannounced), Lettuce Finance (Shanghai Science and Technology Venture Capital, SAIC, etc.: unannounced), E-Road Tongxin (Guangdong Yueke Investment: 30%), Jinkai Loan (Shaanxi Financial Holdings.

100%)), Mindai Tianxia (Guangzhou Science and Technology Venture Capital: unannounced), Bojin Loan (Jiangxi Provincial Investment Group, etc.: Zhongxin Financial (State-owned Assets Investment and Operation in Haidian District, Beijing: 20%), Chujin (Wuhan Hi-Tech: 40%).

Extended Material: Segment Slip.

1. The harm of online lending.

1. Credit information.

Dense loan records, banks will never lend when they see such credit reports.

2. The quota is low.

The amount of online loans is generally not high, generally only 1,000 yuan, mainly short-term, and the interest is extremely high.

3. It is difficult to get ashore.

People who apply for online loans think that they don't have to repay if they borrow, and when they repay the money, they often "tear down the east wall and make up the west wall", find new ways to continue borrowing, and eventually make profits, accumulate heavy debts, and the debts are uncontrollable.

4. Cause overdue.

Borrowing too much can easily cause overdue, whether it is unable to repay or really forgetting, overdue will form a stain on the credit report.

5. Violent collection.

Once the deadline appears, what awaits you will be endless violent collection** and text messages, and the threat of deadly serial calls** is just a piece of cake, and serious ones may come to the door, making you and the people around you restless.

6. Since then, it has no chance to take out other loans.

A lot of online loans and many overdue people, personal credit reports.

It's already too dark to look at, banks and online lending institutions have long listed you as a high-risk customer, even if you take a repentant letter without stain, and even borrow a small loan with high interest rates, the bank will seriously doubt your ability to repay, and it is impossible to lend you money.

2. What are the repayment methods for online loans?

1. One-time repayment. According to the loan contract signed by both parties, a lump sum repayment will be made after the agreed loan term expires, that is, the principal and interest of the loan will be repaid in a lump sum. One-time repayment is a repayment method agreed in many loan contracts, and it is also a relatively operational method.

2. Repay in installments. If you borrow an online loan, you can also choose to repay the loan in installments, the main purpose of choosing installment repayment is to reduce the pressure of repayment, and the specific installment period can be agreed by both parties.

3. Equal principal.

The so-called equal principal is to repay a certain amount of principal every month, in addition to the principal, you also need to repay some interest, and the amount of repayment is different every month within the agreed repayment period, and the amount is less and less. If the loan amount is not large, it is recommended to use this repayment method, so that you can pay less interest.

With the continuous development of social economy, in real life, we will always encounter all kinds of problems, especially for the current online loan platform, is it really legal? In fact, we have to know that the current ** platform is not legal at all, and there are many online loan platforms that are already violating national laws and regulations, and the reason why online loan platforms are illegal is also because the interest rate of online loan platforms is quite high.

First of all, we have to understand this problem, that is, many loan platforms are actually very illegal, and there are also big legal loopholes, and it is precisely because of these reasons that we can go to many app stores to search for apps that are not searchable, and can only go through the web page, but when we ** these apps, we will find that once we take out a loan, the interest we need is very high, and it is even likely to cause us to be in just a few years, it will go from hundreds of thousands to millions.

So we can obviously know that because these loan platforms are very illegal, in real life, these loan platforms will promote to users through web pages, or through artificial ways to promote their own APP, and when users start loans, they will promise users that they will not charge any interest, and they do not need any ID cards, nor will they be bound to personal credit, but once we are repaying, there will be all kinds of problems. The platform will prevent us from repaying in various ways, and then when we are overdue, they will charge us accordingly.

To sum up, we can obviously know that in fact, many online loan apps are very illegal, so in real life, we are absolutely not able to go to online loans, which will have a serious impact on our lives, which is definitely not what we want to see.

Nowadays, there are many online loan platforms that are not legal, but there are also many legal ones. Therefore, you must take out an online loan according to your own needs, and you should also go to the bank for a loan when necessary, do not borrow from the Internet, but you don't need to worry, if you are cheated immediately, you can immediately go to the police, and you can recover your money.

As a form of Internet finance, online lending does not violate relevant laws and regulations. However, if a person deliberately attracts others to borrow money at a high interest rate and uses the funds for arbitrage, or deceives others into making loans, it will constitute a crime and will be investigated for corresponding criminal liability.

Some are legal, some are illegal, some have also obtained some national certification qualifications, and some are only small amounts, which belong to the place of deception.

Illegal. Some of today's online loan platforms are all usury, and the collection methods are all violent collection.

Legal analysis: Online lending itself is not illegal, but it is against the law for online lending to induce illegal fundraising or violent collection. Online micro-loans refer to the micro-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.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 680:Usurious lending is prohibited, and the interest rate on loans must not violate the relevant provisions of the State. If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

Legal Analysis: Not Illegal. However, if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the provisions of the state on restricting the interest rate on borrowing.

Legal basis: Article 674 of the Civil Code of the People's Republic of China The borrower shall pay interest within the agreed time limit. Where there is no agreement on the time limit for the payment of interest or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, and the loan period is less than one year, it shall be paid together with the return of the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the return of the loan.

Hello, the current online loan platform on the market, including a lot of problems, if you want to find a loan company for a loan, I recommend that you find a large company to operate a loan platform.

However, in view of the fact that the existing online loan market is very chaotic, there are many situations of high service fees and high interest, such as normal installment payments, which lead to high principal and interest (but not more than the national law), as well as the high service fees agreed in the signing of the contract, and only one day overdue, will also generate high interest, and the collection of the collection company will be directly affected. I think the best option is to find a bank for loan business, after all, the bank's business process is supervised by the State Banking Regulatory Commission, both the interest rate and the procedure are the most secure under the current situation. In addition, the loan industry is really chaotic to be honest, and many people will have problems even if they take the formal loan route, so it is recommended to apply for a loan at a bank even if it will be more complicated.

You can refer to it, I hope you can consider it.

Question: I have borrowed a lot of online loans, I don't know which one is on the credit report, can you help me take a look.

Questions and answers. Suning Finance's credit information, the customer's lending behavior in Suning Finance will be truthfully recorded in the central bank's credit system, in which the customer's multiple loan records in Suning Finance will be combined and reported to the credit information system, and displayed as a loan record in the credit report, not a single display. In addition, if Suning Financial Loan is overdue, it will not only incur overdue penalty interest and liquidated damages, but also the overdue information will also be reported on the credit report, which will discredit the personal credit report.

If you have this, as long as you have a credit report, your credit will be affected.

Haier Consumer Finance is a licensed consumer finance company, and Haier Consumer Finance has fully connected with the People's Bank of China's credit information, and the loans applied for by Haier Consumer Finance or the loans issued by Haier Consumer Finance are all on the credit report.

The installment is easy to go on the credit report. According to the relevant regulations of Easy Installment, users also need to check the "Personal Information Inquiry and Use Authorization Letter" to borrow in Easy Installment, which means that when users borrow, as long as they inquire about the loan amount, they will leave a loan approval inquiry record in their credit report.

Haier Finance and Easy Installment are also on the credit report.

Question: Is the interest rate of installment easy so high also on the credit report?