Which is the best online loan platform? The best online loan platforms are: 1. Youqianhua: Youqianhua is a credit service product of Baidu. It has always had a good reputation and its lending speed is relatively fast.
It can meet your daily borrowing needs. You can borrow whenever you want, which is very convenient.
The maximum amount is 200,000 yuan, and the average daily interest for borrowing 10,000 yuan for one year starts at 1.1 yuan.
The better your credit, the lower the interest rate.
2. Jiebei: Jiebei is a pure credit loan product launched by Alipay under Alibaba. It is issued based on the consumption situation and repayment ability of Alipay users. Only ordinary users with a Zhima score of 600 or above have the opportunity to apply for it. According to the Zhima score,
, the loan amount is RMB 100,000-300,000, the lowest daily interest rate is 0.02%, the loan period is 12 periods, and it supports borrowing and repaying at any time. It has always been a conscientious loan platform.
3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched the Huanbei product in 2016.
The major shareholder is Focus Media, a listed company (stock code: 002027). The shareholders include: Focus Media, Sequoia Capital, Cinda Investment, Noah Wealth, Sina, etc.
4. Weilidai: WeBank is the first Internet bank under Tencent. Its products include Weilidai, Weikedai, etc., and is committed to providing fast financial services to small businesses and individual consumer groups.
5. Paipaidai: Founded in 2007, Paipaidai is a p2p financial platform listed on the New York Stock Exchange.
Paipaidai products are mainly divided into individual bids and rainbow bids.
Currently, it provides users with credit loans with a maximum loan amount of 200,000, and the monthly loan interest rate is about 1%.
Users can choose appropriate loan products based on their needs.
Recommendations for which online loan platform is reliable and easy to get through quickly are as follows: 1. 360 IOU: A credit loan platform operated by 360 Digits. Users can follow 360 IOU on WeChat or download the APP to borrow money.
If you have a quota, you can borrow money on a recurring basis, and each time the loan passes the review, you can make a payment. 360 Big Data is relatively good. Borrowers with stable repayment ability and no bad credit can try it.
2. China Merchants Union Financial Credit Loan: The disbursement rate of China Merchants Union Financial Credit Loan has always been good. People who usually meet the loan conditions, have good personal credit, and have strong repayment ability are better placed to disburse.
It is recommended that borrowers maintain good credit before borrowing, develop good consumption habits, and make more use of China Merchants Union Financial Services to help increase the loan approval rate.
3. Weilidai: Weizhong Bank’s credit loan adopts a whitelist invitation system. If there is a Weilidai loan word on WeChat payment and the application limit is reached, you can submit a loan application.
During the borrowing process, face recognition will be performed, and the system will automatically approve the loan. The better the qualifications, the easier it will be to borrow money.
4. Yixianghua: Yixin consumer credit loan, you can basically make a loan after passing the certification and the limit is met, but it is only for borrowers who meet the requirements, so don’t think that everyone can borrow money.
In addition to meeting the basic conditions, borrowers may have the opportunity to borrow money as long as they are not credit-hungry, have low personal debt, and have a relatively stable income.
Internet lending, the foreign name is Internetlending, 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 in the Internet Finance (ITFIN) industry.
The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.
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 business format. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation.
By encouraging innovation and strengthening supervision to support each other, we will 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.
Online lending includes individual online lending (i.e. P2P online lending) and the Internet.
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.
Network refers to what Internet companies provide to customers using the Internet through companies they control.
Networks should abide by existing corporate regulatory regulations, leverage the advantages of online lending, and strive to reduce customer financing costs.
The online lending business is supervised by the China Banking Regulatory Commission.