At present, there are countless online lending platforms on the market, but to a formal extent, they are also loans from formal banking institutions and loans from licensed consumer finance companies, and all banks are familiar with them. As for licensed consumer finance companies, they are all formal financial institutions approved by the China Banking Regulatory Commission, and will not absorb people's deposits, with shareholders contributing hundreds of millions of yuan. Next, I will give you a brief introduction to the top 20 formal online lending platforms and formal financial institutions.

20 Regular Online Lending Platforms

1, BOC e-loan

Bank of China is a pure credit loan with a maximum loan of 300,000 yuan, and the validity period of the loan amount is 12 months. The upper limit of credit loan interest rate is different according to the specific situation of the reference lender.

2. ICBC Financial Electronic Loan

ICBC's pure credit loan is up to 800,000 yuan and the longest is 3 years. The minimum annual interest rate of the loan is LPR, which is updated once a month.

3. CCB Express Loan

The full-process online self-service loan launched by China Construction Bank has a maximum credit loan of 200,000 yuan and a maximum loan period of 36 months, and the loan interest rate is automatically verified by the system.

4.ABC Network Dai Jie

The consumer credit loan provided by Agricultural Bank of China can reach up to 200,000 yuan, and the loan term is generally 1 year. The lowest interest rate of the loan can enjoy the LPR quotation for the same period.

5. Bank of Communications Huimin Loan

The personal credit loan launched by Bank of Communications can be up to 200,000 yuan for a maximum of 36 months. The loan has the lowest annual interest rate, and the interest is calculated at a fixed interest rate.

6. China Merchants Bank E invites loans

Specially provided for credit card customers of China Merchants Bank. The longest installment loan is 36 months. The loan amount and installment fee rate shall be subject to the system evaluation results.

7. Guangfa e-second loan

The personal credit loan launched by China Guangfa Bank can be up to 200,000 yuan, and the longest is 3 years. The annual interest rate starts, and the interest is calculated on a daily basis, which can be repaid as you borrow it.

8. Puyin Integral Loan

The online pure credit loan launched by Shanghai Pudong Development Bank has a maximum loan amount of 300,000 yuan and a maximum loan period of 5 years. The annual interest rate of the loan is subject to the page display.

9. Xingshan loan

The pure credit loan provided by Industrial Bank can reach up to 200,000 yuan at the lowest annualized interest rate, with daily interest and early repayment.

10, microfinance

Weizhong Bank, the first Internet banking product in China, has a maximum loan amount of 200,000 yuan, a minimum daily interest rate and a maximum daily interest rate, which can be repaid in 20 months at the longest.

1 1, online merchant loan

One of the first private banks in China, online banking products are specially provided for small and micro operators, with a maximum loan of 3 million yuan and a loan term of 12 months. The loan interest rate is subject to the page display.

12, safe little orange blossom

Personal revolving credit loan products launched by Ping An Consumer Finance can be applied online within 24 hours, with a maximum amount of 200,000 and an annualized interest rate of 14%-24%.

13, revolving loan of China Post

The revolving loan products under China Post Consumer Finance can be loaned up to 200,000 yuan and repaid in 24 installments at the longest. The annualized interest rate pricing range is a simple interest calculation).

14, recruit a good term loan.

China Merchants Bank and China Unicom cooperate to recruit consumer finance products, with a maximum loan amount of 200,000, a maximum loan period of 36 months and a minimum annual interest rate.

15, China Bank Xinyi Loan.

Bank of China Consumer Finance, the first consumer finance company in Shanghai, launched a credit loan product with a maximum loan of 200,000 yuan, the longest repayment period of 36 months and the lowest annual interest rate.

16, Yin Chang enjoys the loan.

Yin Chang Consumer Finance, the16th consumer finance company in China and the first consumer finance company in Northwest China, launched credit loan products, with the maximum loan amount not exceeding 200,000 and the annual interest rate of 19.88%-23.88%.

17, Yin Hang enjoys the loan.

Yin Hang Consumer Finance Company provides loans to civil servants, institutions and state-owned enterprises with a maximum loan amount of 200,000 yuan and an annualized interest rate as low as 3 years.

An Yihua 18

Consumer finance revolving loan products can borrow up to 200,000 yuan, and will be repaid in 24 installments at the lowest annualized interest rate (simple interest).

19, Su Xiang loan

The online application, quick approval and instant use of loan products launched by Suning Consumer Finance have a maximum loan amount of 200,000 and a comprehensive annualized interest rate of less than 24%.

20. Gitzo Consumer Loan

For the personal credit loan products of Gitzo Consumer Finance, the maximum loan amount is 200,000 yuan, and the annualized comprehensive interest rate is lower than 24%, subject to the loan contract.

The above is about "Top 20 Regular Online Lending Platforms", ranking irrelevant, for reference only.

Top 10 formal online lending platform.

10 formal online loan recognized by the state?

The top ten official online lending platforms recognized by the state mainly include: 1, Ping An Hewlett-Packard, 2, Jingdong Finance, 3, Suning Finance, 4, Paipai Loan, 5, Microfinance, 6, Lending Treasure, 7, Xiaomi Loan, 8, 360 Lending Treasure, 9, Spending Money, 10, and.

1, Ping An Pratt & Whitney

Ping An Pratt & Whitney is an online lending platform owned by China Ping An, which is quite reliable in terms of security. There are also many loan products, such as I loan, life insurance loan, excellent mortgage, owner loan and owner loan. Users can choose according to their own needs.

2. Jingdong Finance

Jingdong Finance belongs to the JD.COM platform. The white bars and gold bars of Jingdong Finance can help people in need to borrow money. There are fewer white bars and more gold bars.

3. Suning Finance

Suning Finance should be familiar to many people, and its main loan product is Suning's discretionary payment. The loan amount that can be repaid at will can be as high as 200,000 yuan, mainly because the threshold for applying for the loan amount is low, which can meet the needs of adults over 18 years old, and they can apply if there is no bad record in the credit report.

Step 4 rent a shot

Pat loan is also a very reliable online loan platform. It is understood that it has existed for ten years and has been listed in the United States. The auction loan can reach up to 200,000 yuan.

5. Microfinance

"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users.

"Micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.

6. Borrowing is a reception service of Alipay, and its safety index is relatively high. At present, as long as it can meet the Alipay sesame credit score of more than 600 points. The loan amount you can apply for ranges from1000-300,000 yuan.

7. Xiaomi loan

Loan products belonging to Xiaomi financiers provide installment services. The application process is a bit cumbersome, but it supports lending and returning. Generally speaking, it is quite reliable.

8360 IOUs

Its main characteristics are fast lending speed and low application threshold. The daily loan interest rate is as low as 0.027%, which is equivalent to an annual interest rate of 95%. There is no need for a complicated application process, and the mortgage can be repaid as soon as it is applied.

9. Have money to spend

Baidu loan platform can meet the needs of different borrowers according to different loan businesses. The loan method is simple, mainly because the interest is low, and the loan can be repaid as you borrow it.

10, recruit a good term loan.

It is a lending service launched by Zhaolian Consumer Finance, occupying the top ten of formal online loans for a long time. The formality of the platform is self-evident, and the loan amount is generally around 200,000-200,000 yuan. The production line can be recycled within 3 years.

List of Top Ten Conscience Loan Platforms

The top ten conscience lending platforms are:

1.JD.COM Gold bars:

JD.COM Gold Bar is a cash loan service provided by Jingdong Finance. You can borrow money by binding stored-value cards and credit cards, without mortgage, and the maximum withdrawal amount is 200,000.

2. Borrow (credit loan):

Lending treasure (credit loan) is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas, up to 300,000.

3.360 IOUs:

360 IOU is a consumer credit brand under 360 Digital Group, with a maximum loan amount of 200,000. You will have the opportunity to apply between the ages of 23 and 55.

4. Didi Loan:

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

5. Comfortable flowers:

Anyihua is a consumer loan product immediately launched by consumer finance, providing users with a maximum credit line of 200,000.

6. Long-term loans:

Good-term loan is a credit consumption loan launched by Zhaolian Finance, with a maximum amount of 200,000.

7. Stage music:

Staging music is a stage platform for music consumption, with a maximum loan of 200 thousand.

8. White Cat Loan:

White Cat Loan is a credit product of small loans in Du Zhi, with a maximum amount of 5 million.

9. Flower Duck borrows money:

You can get up to 200 thousand, and you can get a loan by providing your ID card and bank card.

10. Withdrawal and consumption:

Tiqianhua is a loan product of Zhongyuan Consumer Finance, with a maximum loan amount of 200,000 yuan.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Top ten loan companies

The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.

The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.

1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.

Many people often take out loans for emergencies when their lives are in trouble. Baidu has money to spend: Du Xiaoman's micro-credit loan has a maximum amount of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is subject to the loan page. Be able to borrow and repay flexibly, apply online all the time, without guarantee and mortgage. The results will come out in a few minutes at the earliest after submitting the application, and you can get the money on the same day after passing it.