Top Ten Conscientious Loan Platforms

Top Ten Conscientious Loan Platforms:

1. Lufax: Lufax is launched by my country’s famous Ping An Group It is an online loan platform, and it is not just online loans. There are many services and projects waiting for you to explore. Because it is backed by Ping An Group of China, it will be relatively more formal.

2. Yirendai: Yirendai is an online financial service platform launched by CreditEase. It not only provides financial services to everyone, but also provides many other services, such as lending services. A formal loan service platform is provided for people who are in urgent need of money.

3. Hongling Venture Capital: Hongling Venture Capital is a formally certified online financial lending platform. It uses the modern era of network big data to build a good lending platform for people. It provides a good lending environment for people who are in urgent need of money, and also allows more entrepreneurs to appear in society.

4. Paipaidai: Paipaidai is also a very formal online loan platform, and Paipaidai has its own mobile app. You can borrow money directly through your mobile phone. Currently, Paipaidai has accumulated registered users The number has reached 99.02 million, providing a convenient loan environment for many people.

5. Youwodai: Youwodai is a formal online loan platform that has been successfully listed abroad. Youwodai is targeted at small and medium-sized small businesses, as well as self-employed individuals, etc. Because of the audience, the threshold for you and me to lend is relatively low and easy.

6. Renrendai: Renrendai is one of the online lending platforms that has been active in my country’s early lending market. Renrendai was created by Renrendai Business Consulting (Beijing) Co., Ltd. It is very authoritative in the self-employed lending sector, ranking 264th on the 2019 Hurun Global Unicorn List.

7. Lili.com: Lili.com is a formal online loan platform where company registration information can be found at the Haidian Branch in Beijing. Currently, Lili.com has three financial products in different forms, among which fixed deposits Both Baoyoubao and Wuyoubao are automatic lending products, which are very convenient to use.

8.360 IOU: 360 IOU is an online loan product launched by the large company 360 Financial Group. 360 IOU is a small loan for some self-employed individuals and small businesses. The upper limit of the amount is not too high, but in In terms of safety performance, 360 is relatively safe and stable.

9. Yilong Loan: Yilong Loan is an online loan platform in my country that has set up operation centers in more than 100 cities across the country. Because of its stable O2O model, it provides people with good credit with A simple and convenient lending platform makes it possible to borrow money in one second.

10. E Zhaodai: E Zhaodai is an online loan product launched by China Merchants Bank. Because it is backed by a large bank, the safety and formality of this product are guaranteed. E Zhaodai mainly targets people who hold China Merchants Bank credit cards and provides services.

Ranking of the top ten conscientious loan platforms

The top ten conscientious large-amount loan platforms are:

1. Jingdong gold bars:

Jingdong Gold bars are a cash borrowing service provided by JD Finance. No mortgage is required. You can borrow money by binding a stored-value card or credit card. It can support a maximum withdrawal limit of 200,000.

2. Jiebei (Credit Loan):

Jiebei (Credit Loan) is a loan service launched by Alipay. Depending on the Zhima score, the loan amount that users can apply for varies. , the maximum amount is 300,000.

3.360 IOU:

360 IOU is a consumer credit brand under 360 Digits Group, with a maximum loan limit of 200,000. Anyone aged 23 to 55 has the opportunity to apply.

4. Dishui Loan:

Dishui Loan is a loan service launched by Didi Finance. It adopts a pure credit loan model with a maximum limit of 300,000.

5. Anyihua:

Anyihua is a consumer loan product launched by MaMa Consumer Finance, providing users with a credit limit of up to 200,000.

6. Haoqi Loan:

Haoqi Loan is a credit consumer loan launched by China Merchants Union Financial, with a maximum limit of 200,000.

7. Fenqile:

Fenqile is a consumer installment platform under Lexin, and you can borrow up to 200,000 yuan.

8. White Cat Loan:

Baimao Loan is a credit product under Zhidu Small Loan, with a maximum limit of 5 million.

9. Borrow money from HuaYa:

You can get a maximum limit of 200,000, and you can borrow it by providing your ID card and bank card.

10. Money-raising flower:

Money-raising flower is a loan product of Zhongyuan Consumer Finance, with a maximum loan limit of 200,000.

Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to realize cash quickly without loss, so as to meet the needs of customers to withdraw deposits at any time;< /p>

3. Efficiency is the basis for the bank’s continued operations.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony among the "three natures" so that there will be no problems with loans.

Repayment method:

1. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) during the entire repayment period, and pay it off at the same time A repayment method based on loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

3. Monthly interest payment and principal repayment when due: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of less than one year] (Applicable to loans (including one year)), the interest on the loan is calculated on a daily basis, and the interest is returned on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower applies to the bank and can repay part of the loan amount in advance. Generally, The amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new The repayment period shall not exceed the original loan period.

5. Repay the entire loan in advance: The borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.

Which loan company is better?

Reliable loan platforms include: Ant Borrowing, JD Gold Bar and Duxiaoman Finance.

1. Ant Financial Services Group:

Ant Financial Services Group (hereinafter referred to as "Ant Financial") started from Alipay, which was established in 2004. In October 2014, Ant Financial was officially established. With the vision of "bringing small but beautiful changes to the world", Ant Financial is committed to building an open ecosystem and assisting financial institutions and partners to accelerate their move towards the "Internet" through the "Internet Propeller Plan", providing small and micro enterprises with Provide inclusive financial services to individual consumers.

Jiebei" is a loan service launched by Alipay. The current application threshold is a sesame score of more than 600. Depending on the score, the loan amount that users can apply for ranges from 1,000-300,000 yuan. Borrow The maximum repayment period of Bei is 12 months, and the daily loan interest rate is 0.045%, which can be borrowed and repaid at any time.

Currently, the consumer loans issued by e-commerce giants are mainly targeted at the consumption scenarios of e-commerce platforms. .

However, as personal credit data continues to accumulate, personal credit loans in non-consumption scenarios are also being launched.

2. JD Gold Bar:

JD Finance, as a sub-brand of JD Digital Technology, includes personal finance, corporate finance, financial technology and other sections, and is committed to providing trustworthy services to individuals and enterprises. It provides comprehensive and inclusive digital financial services to help financial institutions improve business efficiency, reduce costs, increase revenue, and work with financial institutions to better serve individual and corporate users.

If you have financial needs, we recommend Du Xiaoman Financial’s credit service product Youqianhua, which provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Du Xiaoman Financial APP (click Official free test quota). The daily interest rate of Youqianhua consumer loans starts as low as 0.02%, the annualized interest rate starts as low as 7.2%, and the maximum loan amount can be 200,000. The approval speed of Baidu Youqianhua is relatively fast, and the approval can be completed in 30 seconds at the fastest , Normally, the review time takes 2-3 working days.