As follows: 1. You can handle it at the counter. If you handle it at the counter, you can directly ask the staff to cancel the automatic deduction.

2. You can call customer service, select manual service and cancel automatic deduction.

3. You can unbind the bank card on the online loan platform.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, people often confuse it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.

superiority

High annual compound income

The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.

Simple operation

The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.

Pioneering thinking

Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.

disadvantaged

Unsecured, high interest rate and high risk

Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

credit risk

The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

Lack of effective supervision means

Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

Can the automatic repayment of bank cards and online loan contracts be cancelled? How come?

It can be lifted. First, we need to query the downloaded application. As for the first landing. You can use a bank card account. And the password to the counter. Some bank counter passwords are different from those on the Internet. Therefore, we need to use the mobile phone number when handling bank cards. Verify login by SMS. Of course, you need to turn on the online banking function to log in to the application. From the figure below, we can clearly see the login page. Click the Security Center to enter the page. After entering the security center. We can click on Express Payment Settings. Make the settings. There are many other functions. Other contents can be set. You can also set more security information for yourself. After all, bank cards store all our savings. Click Settings. Will jump to this page. This page contains all our binding content. For example, Wealth Link Binding, Alipay Binding, etc. How many online loans are bound. This cancels the third-party withholding service. No one can deduct money from our bank card. Much safer. Don't worry about information leakage, let others bind. Huawei mobile phone HarmonyOS system os2 browser version 10.38.04

1. Third-party payment adopts payment settlement. Classification by payment procedure. Settlement methods can be divided into one-time payment and step-by-step payment. The former includes cash settlement, bill settlement (such as checks, promissory notes, bank drafts and acceptance drafts), remittance and transfer settlement (such as wire transfer and online payment). The latter includes letter of credit settlement, letter of guarantee settlement and third-party payment settlement. In social and economic activities. Settlement belongs to trade. The core of trade is exchange. Exchange is the unity of the two opposing processes of delivery and payment currency. Between the normal subjects of freedom and equality. The principles of exchange are equivalence and synchronization. Synchronous switching. In other words, delivery and payment are mutually conditional. This is the guarantee of equivalent exchange.

2. In practice. Used for face-to-face transactions of spot objects. Synchronous switching is easy to realize; However, in many cases, due to the circulation and acceptance of the transaction object (such as the flow of goods and services, the transformation of services and services), this process needs to be completed. The contradiction of unsynchronized and separated goods logistics and capital flow is inevitable. Synchronous switching is usually difficult to achieve. Asynchronous switching. The party who receives the consideration first is likely to violate morality and agreement. Break the principle of equivalent exchange. Therefore, the party who pays the price first will often be controlled by others. Fall into a passive and weak position. Adventure. Only additional credit guarantee or legal support can successfully complete asynchronous exchange. Synchronous switching. The risk of unequal exchange can be avoided. Therefore, in order to ensure equivalent exchange, we should follow the principle of synchronous exchange. This requires the payment method to be compatible with the delivery method. Face-to-face spot trading adapts to the immediate one-step payment method; Face to face or futures trading. Adjust the ladder payment method.

3. The process step-by-step payment method shall conform to the process characteristics of the transaction object's circulation acceptance. From the beginning of payment to the transfer of ownership to the other party, payment is not completed in one step. Instead, add an intermediary hosting link in the middle. Improve the original direct transfer to indirect transfer. Business is transformed from one-step completion to step-by-step operation. Thus forming a process that can be monitored and controlled. Pay conditionally according to the steps. In this way, goods can pass through the freight road. This way. Two-phase echo synchronous takeoff and landing. Make the capital flow adapt to the flow of goods logistics and achieve the corresponding synchronization effect. Make the payment and settlement method more scientific. Rationalization should meet the market demand. The traditional payment method is often simple immediate direct payment. One-step payment bill settlement and bill settlement are suitable for face-to-face spot transactions. Synchronous switching can be realized; Wire transfer and online direct transfer in remittance settlement are also in one step. Adapt to the interface spot transaction.

How to cancel the automatic deduction of online loans?

1, you can go to the counter. If you handle it at the counter, you can directly ask the staff to cancel the automatic deduction.

2. You can call customer service, select manual service and cancel automatic deduction.

3. You can cancel the bank card binding on the online loan platform.

4. You can log in to our online banking or mobile banking, enter your personal account and select "Fast Payment Management".

Online loan conditions

The basic requirements of online lending include: the applicant 18-55 years old, and his occupation cannot be a college student; The applicant has a certain ability to repay the principal and interest; The applicant has a good credit record and no bad credit record; The applicant completes the real-name authentication with the second-generation valid ID card, real-name mobile phone number and bank card.

After meeting the above basic conditions, users can basically apply for most online loans, but some online loans have special application requirements, such as having to complete credit card authentication and requiring users to have a credit card to apply.

The harm of peer-to-peer lending

1. The rates of some online lending platforms are unclear, and the expressions such as handling fees, overdue fees and liquidated damages are hidden. , may tightly lock the loan students. Once the repayment is overdue, college students are likely to be unable to bear the loss of funds, leading to a credit crisis that dominates consumption.

2. Due to the low threshold of online loan installment consumption, it provides a platform for college students to spend in advance and luxury consumption. However, many college students are heavily in debt because of impulsive consumption, which brings trouble to their normal study.

In case of overdue payment, it will affect the personal credit information of college students in the bank. Once you have a personal credit stain, you will have to pay more than others in the future, whether you apply for a credit card or a loan, and you may even be rejected. In addition, once these small online lending companies change, there are also hidden dangers of privacy information such as student ID cards and college student ID cards.

Disadvantages of peer-to-peer loans

1. Unsecured, with high interest rate and high risk. Compared with traditional lending methods, online lending is completely unsecured. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. The inherent capital of the credit risk online lending platform is small, and it cannot undertake large-scale guarantee. Once there is a large-scale loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

3. Lack of effective supervision means Because online lending is a new type of financing means, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.