There are many online lending platforms now, and the threshold is very low. Basically, you can get a loan by providing your identity information, and the loan amount varies. For example:
1. Lufax
Hai Lujiazui International Financial Assets Trading Market Co., Ltd. (abbreviation: Lufax) was registered and established in September 2011 , is an Internet wealth management platform under Ping An Group of China.
The company is committed to combining the development of financial globalization and information technology innovation, based on a sound risk management and control system, to provide professional, efficient and safe comprehensive financial assets for institutions, enterprises and qualified investors. Transaction information and consulting related services.
In March 2012, the company’s lu.com online investment and financing platform was officially launched. lu.com combines global financial development and Internet technology innovation, and based on a sound risk management and control system, provides professional and reliable investment and financing services to small and medium-sized enterprises and individual customers, helping them achieve convenient and efficient low-cost financing and wealth appreciation.
2. Yirendai
Yirendai is a well-known online P2P platform in China. It provides innovative, safe, simple and fast services to urban white-collar workers through the Internet, mobile Internet and big data technology innovation. Personal credit loan and financial consulting services.
Based on CreditEase’s years of risk control experience and data, Yirendai adopts intelligent big data risk control technology, adheres to technology-driven financial innovation, and builds a safe and secure platform for the establishment, release and transmission of public credit value. A transparent Internet financial service platform.
In September 2015, the platform had more than 6 million registered users, and the cumulative transaction volume on the lending side exceeded 10 billion yuan. As of September 2015, Yirendai’s risk reserve balance exceeded 300 million yuan. In November 2015, Yirendai officially submitted its initial public offering documents to the SEC, intending to raise up to US$100 million, with the stock trading code "YRD". On December 18, 2015, Yirendai was officially listed on the New York Stock Exchange, with an opening price of US$10, consistent with the issue price of US$10.
3. Renrendai
Renrendai’s full name is Renrendai Business Consulting (Beijing) Co., Ltd., founded in 2010, it is a professional online lending information intermediary service organization. The Renrendai website it operates is one of the earliest online lending information intermediary service platforms in China, dedicated to providing professional online credit and investment matching services to high-growth groups.
Renrendai adheres to the brand proposition of "professional and trustworthy" and relies on its five major brands: professional team, dedicated attitude, strict and compliant operating principles, complete risk control system and authoritative credibility. advantages and has become one of the industry leaders. Since its establishment in 2010, Renrendai has always focused on the steady development of the P2P field, with a total transaction volume of more than 30 billion yuan; in terms of compliance, Renrendai adheres to the business principle of small amounts and decentralized operations, and completed bank funding in February 2016 Depository is one of the earliest platforms to complete bank fund depository.
4. Weidai.com
Weidai.com is a perfect interactive service platform for users with financial needs and investment needs, and provides the public with low-risk, high-return, and diversified Investment product website. ?On May 20, Weidai.com announced that it had received 1 billion yuan in Series C financing. The lead investor is Jiayu Fund, and the following investors are CITIC Construction Capital and the listed company Dongyi Risheng.
With its mature and rigorous risk control assessment mechanism, professional team and considerate services, Weidai.com not only provides low-cost financing services to small and medium-sized enterprises, but also provides the public with low risks and high returns. , diversified investment products, realizing "easy borrowing and worry-free investment!"
5. Phoenix Finance
Phoenix Finance is an intelligent investment and financial management platform created by Phoenix TV Group for Chinese people around the world. . Phoenix Finance was registered and established in Beijing on August 22, 2014, and officially launched operations on December 2, 2014. As of August 1, 2016, Phoenix Finance has served more than 3.1 million users, with a total transaction volume of more than 20 billion yuan.
Phoenix Finance unites various high-quality financial institutions to deeply explore high-quality financial assets, provide users with high-quality, diversified investment and wealth management products and customized professional intelligent services, and create wealth management that better meets the needs of users. solutions, and integrate humanistic sentiments into financial services to create more value for users, create an honest and healthy financial environment for society, and effectively promote the development of inclusive finance.
At present, the online loan market is a mixed bag. Some online loan platforms were self-financing platforms when they were first established. Therefore, it is often difficult to protect investors’ funds. This is one of them.
The second is that the current online loan platform does not integrate the bank's credit record. It simply relies on some identity information to lend money. No matter you are a lender or a borrower, you cannot let The law effectively protects your rights and interests.
Also, many current Internet users are very unfamiliar with online funding platforms. If they easily trust these online loan platforms, they can easily be deceived inadvertently and have their personal rights infringed.