1. Is Lai Installment a legal online loan?
Legal.
Fenqile is also one of the first agencies to sign contracts with Baihang Credit Information. This means that Fenqile has a dual credit information system with the central bank’s credit information and Baihang Credit Information. Each of your borrowings and purchases may be covered. Create a credit record.
But not every time you go to the credit reporting system, because each bank has very strict management of overdue credit, once there is a malicious breach of trust.
No matter which financial institution you are, your record of dishonesty will be uploaded to the credit reporting system. As long as there is a malicious overdue payment, it will be reported to the credit reporting system!
In other words, the credit report on normal consumption records is random, but for malicious overdue behavior, 100% of credit reports will be reported, and you may even be included in the credit blacklist!
Online 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 within the Internet Finance (ITFIN) industry.
The number of online loan 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 industry. 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 reasonably define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legal 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 use the Internet to provide to customers 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.
In the traditional P2P model, online lending platforms only provide information circulation and interaction, information value identification and other services to facilitate the completion of transactions between borrowers and lenders. They do not actually participate in the lending interest chain. In terms of creditor-debt relationships, online loan platforms rely on charging certain handling fees from both borrowers and lenders to maintain operations.
In our country, because the citizen credit system has not yet been standardized, the traditional P2P model is difficult to protect the interests of investors. Once an overdue payment occurs, investors will lose their money.
Therefore, in the continuous exploration and practice of P2P online lending, it is recommended to introduce relatives and friends as joint guarantees for credit loans, and to introduce mortgages or pledges as counter-guarantees for other loans. At the same time, corporate loan projects introduce third-party financing guarantee companies to review the projects and provide principal and interest guarantees, and require the scale of their guarantees to match the guarantee amount of the guarantor, and the guarantor must also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peerpeer, which means "individual to individual".
2. I would like to ask Jingdong to borrow money in installments. Quyong Loan and Shudaixiong are all legal borrowing fees...
You can learn about the 360 ??IOU, I hope you can Help you
3. Which store sells genuine violent bears on Taobao?
There are two kinds of violent bears, one is made in Japan with the trademark (GloomyBear), and the price is very expensive, ranging from tens of yuan to thousands of yuan, and the other is made in China with the trademark POPOBE. Those with registered trademarks are much more affordable, ranging from a few yuan to tens of yuan. Most of the products on Taobao are domestically produced.
There are obvious differences in appearance between the violent bears made in Japan and those made in China. The two bears look different. I prefer the domestic one. It is more rounded and cute, which is in line with the aesthetics of Chinese people. In terms of price, , I am more receptive to domestic products.
There are also many pirated versions of the domestic POPOBE brand on Taobao, and the quality is obviously different. Please look for the brand when purchasing. There are several sizes of violent bears. The domestic ones include 1 inch, 2 inches, 3 inches, 5 inches, 10 inches, 15 inches and 30 inches. Those below 5 inches (including 5 inches) are pendants. 5 inches (including 5 inches) The above are just ornaments, without buckles.