Unreliable. First of all, the first one has high interest rates, and he will have many tricks. For example, if your bank card is wrong, he will ask you to pay a deposit or you must open a membership. You can apply for a loan, or you can issue a quota, but these are all fake platforms and some fraudulent software.

Online lending, the foreign name is Internet lending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online loan platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number has been 3,054 as of the end of April 2015

Attributes of online loans

Online lending is a bond investment with clear returns, and the lender of the funds obtains interest income; but the public often confuses it with equity crowdfunding, which is an equity investment with flexible returns. Investors gain access to the future by investing in the company. Income, such as Jingbei Crowdfunding, 36 Krypton, etc., all belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, be fully aware of and mentally prepared to bear their own risks, and judge and bear the risks of the project on their own under this premise.

Qualification risk

Online lending is different from financial institutions. Financial institutions manage "net capital". Both banks and trust companies must have their own registered capital, and their registered capital is small. It can range from several hundred million to more than one billion or even billions, and the registered capital is not used for business operations, but is a kind of guarantee and a "threshold." However, due to the low threshold for online loan companies and the government has not yet issued guidance, platform software can be purchased for thousands to tens of thousands. Many people who owe a lot in private loans have bought virtual borrowers and virtual mortgage items on the platform. Attract investors to invest with high interest rates. High interest rates generally have an annual interest rate of at least 30%, and some platforms can reach 50% to 70%.