1. Weilidai Weilidai is a microfinance product under WeBank. Users can find the entrance to Weilidai in their personal wallet. Weilidai supports borrowing and repaying at any time, with a maximum credit limit of 200,000 yuan, which can meet the borrowing needs of most users. However, Weilidai adopts a whitelist invitation system. Only users who have passed the comprehensive evaluation of the WeChat system can find the application entrance for Weilidai in their personal wallet.
2. Borrowing Flowers Borrowing Flowers is a microfinance product under Ctrip Finance. The minimum loan amount is 500 yuan, and the maximum loan can be applied for is 200,000 yuan. The lowest monthly interest rate for borrowing flowers is 0.6%, and the loan can be completed in as fast as 2 minutes. The maximum installment time you can apply for is 36 installments, and the loan can be completed in as little as 2 minutes.
3. Wane Loan Wane Loan is a credit loan product of Wanda Puhui. Users with relatively high active 360 ??accounts can try to apply. Wanedai does not have high requirements for users’ personal qualifications. Users with no bad personal credit records can try to apply. Simply search for the Wanedai WeChat official account on WeChat to start applying for a loan.
4. Manyidai Manyidai is a personal small and micro credit product under Baidu Youqianhua. It supports borrowing and repaying at any time and calculates interest on a daily basis. If the user repays the loan early, Manyidai does not charge interest. If users want to apply for Manyidai, in addition to having WeChat, they also need to be a registered user of Baidu and be over 18 years old.
1. The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging industry. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and [1] strengthening supervision to support each other, promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and rationally define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely Crack down on illegal activities and irregularities.
2. Online lending includes individual online lending (i.e. P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court. Internet micro-loans refer to small-amount loans provided to customers by Internet companies through micro-loan companies they control, using the Internet. Online small loans should comply with existing regulatory regulations on small loan 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. The supervision of online lending platforms has gone from a peak of 5,000 to 6,000 to only 29 in operation by the end of June. The special rectification work may be basically completed by the end of the year and will be transferred to regular supervision.
Operating environment: vivox9 7.16.11
Weilidai 8.4.3 WeChat 8.0.14