1. Is your loan a legal platform?
1, your loan is a very active platform with many information disclosure functions, so it is still safe. In addition, it is agreed that the loan interest rate agreed by you and me must be less than 4 times the interest rate of the People's Bank of China in the same period, and the maximum interest rate shall not exceed 26. 18%. So users don't have to worry about usury.
2. In terms of financial management, you and I both have cooperative fund depository institutions in hengfeng bank to ensure the safety of investors' funds. However, WMPS usually provides an expected annualized rate of return of 8% to 12%. It can be seen that the rate of return is still very high, the general rate of return is very high, and the risk is also very high, so financial management will be accompanied by certain risks.
3. In addition, P2P platform is under intense investigation and has no future direction. Therefore, if you want to manage money on the platform, you must be more careful. At present, it is not recommended that you pursue excess returns in financial management. It is safer to choose a robust financial product with low risk and low security.
Operating environment: you and I borrow app v.7.4.6
Second, are your loans and mine reliable?
1, your loan is an internet financial platform, which has been running stably for more than 7 years. It provides online loan service, and the funds are deposited in hengfeng bank. From the platform point of view, it is quite reliable.
2. But judging from the interest of the money you and I borrowed, the overdue credit report is not applicable to suspected usury, but it will be violently collected. If you don't land forcibly, you will have to bear a high fine.
3. Remind everyone that there are many loan platforms there. If the interest rate exceeds the national warning line of usury, please don't touch it, otherwise it will bring a lot of trouble to yourself and even your family and friends.
4. Do you and I have any credit information?
At present, you and I are not connected to the central bank's credit information system, so you and I are not qualified to conduct credit information. Of course, many loan platforms are gradually connecting with the central bank's credit information system to make the borrower's information more transparent. In the future, your loan and my loan can also be connected to the central bank's credit information system. I hope everyone can repay the loan on time and not overdue.
Operating environment: the latest version of your loan app v7.4.6 Android version.