P2P loan audit

How long does it take for P2P to approve loans?

The materials can be submitted for review within 1-3 working days at the earliest, and then signed for processing.

Conditions required for an individual to borrow from a bank:

1. The applicant must be a natural person with full capacity for civil conduct;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.

Materials required for an individual to borrow from a bank:

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

What is the p2p loan process?

Is to log in to the website to register users;

Real name authentication;

Fill in the information, basic information, detailed information and contact information;

Proof of uploading data (head photo, front of ID card, back of ID card, work certificate, credit report, income certificate, address certificate. According to different websites, the information to be submitted will be slightly different);

Submit an application;

Loan review (review is divided into preliminary review and final review, and loan information can be officially released only after the final review. The audit time needs 1-2 working days);

After approval, the loan information will be released. If the approval amount is reduced and needs to be confirmed, the loan application will be automatically abandoned without confirmation.

Waiting for bidding;

Lend money within working days after the loan is marked as full; 10. Repay on time.

What is the model of P2P loan?

P2P loan mode: 1. Online and offline modes. Online mode-The traditional P2P mode is based on pure online mode and one-to-one lending mode. No mortgage, no guarantee company. Investors decide whether to borrow according to the borrower's credit evaluation. The platform does not participate in transactions, but is only responsible for credit review, display and bidding. This is the mode adopted by more common platforms abroad. However, this system in China is still not perfect and developing, and the risk of bad debts in this model will be high. The platform of pure online mode is rare. Online features include: high transparency, easier for investors to understand the flow of funds, more conducive to diversification of investment, and lower the risk of investors. Some people say it's convenient _ diaosi people manage money. At the same time, because there are too many platforms, there are many problems. Offline mode Offline creditor's rights transfer mode, such as CreditEase. This mode of creditor's rights transfer is to split and combine the obtained creditor's rights into fixed-income products, and then sell them to investment and wealth management customers through the sales team. Although it is offline, the difference is that there is one more "first lender". The first lender purchases the creditor's rights first and then transfers them to other investors. His biggest creditor is CEO Downing. However, due to CreditEase's focus on the transfer mode of creditor's rights and touching on investment funds, it seems to be close to the red line of illegal fund-raising. Offline features include: the use of information barriers leads to strong user stickiness and relatively long investment cycle. Generally speaking, offline P2P has financial salesmen, stores and so on. Able to sign paper contracts with high legal protection. However, some offline platforms are opaque and the bad debt rate is better. Online and offline combination-financial institution model lufax, you-me loan and renren loan are online and offline combination, characterized by online access to funds and offline access to and approval of projects through field visits. It seems that many investors chose lufax because they took a fancy to the reputation of Ping An Group. For example, in lufax, financial products are placed on the Internet, and users can choose the appropriate financial products through self-screening and comparison according to the purpose, amount and term of the loan. The platform mainly plays the role of intermediary and does not participate in transactions and capital exchanges. Online and offline innovative favorable network, online financial platform. Investors lend the remaining funds online or earn interest, so as to achieve financial management goals and protect capital and interest. There are also many small lending institutions and guarantee institutions offline. Offline institutions recommend users for on-the-spot inspection, and then financing guarantee institutions provide borrowers with the guarantee of paying interest on time, and finally recommend them to those in need after risk level review. Youwang is a dark horse, saying that it mainly provides services for young investors who have no financial experience, starting with personal credit loans and focusing on time deposits (baby again? ) and the monthly interest rate, the investment threshold is also relatively low. Second, the secured and unsecured modes. The unsecured model retains the original appearance of online loans, and the platform only plays the role of credit review and information matching. All risk borrowers bear their own responsibilities. The platform of the guarantee mode guarantees itself: mainly, the platform uses free funds to buy overdue creditor's rights of the lender, or sets up a risk reserve to make up for the loss of the lender's principal. Third-party guarantee: refers to the cooperation between the platform and a third-party guarantee institution, and the principal guarantee is completely completed by the third-party guarantee institution. Under the third-party guarantee mode, small loan guarantee companies audit and guarantee the online loan platform projects.

How long does it take to review the loan?

Accommodation and loan review is generally 3-5 days.

If you apply for a loan, the loan review usually takes about two weeks, which depends on your repayment ability, credit information and your bank flow. You can apply for a loan as long as you meet the conditions.

The first premise of the loan is that the personal credit information is good, the credit information is not good or spent, and the loan will definitely be rejected when it is reviewed. Therefore, maintaining good personal credit information is an important prerequisite for loans.

1, online lending, mbth is Internetlending, and p2p online lending is the abbreviation of peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

3. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, 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, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

4. The main way for most online lending platforms to control risks is to comprehensively evaluate the borrower's basic situation, property situation, financial revenue and expenditure situation, business situation, credit history, repayment and other indicators after pre-lending investigation, and give a strict score. The online lending platform will divide different credit grades according to the scores, and then give different credit lines according to different credit grades.

Money is urgently needed. What if the online loan fails?

1. If the online loan is rejected and the money is urgently needed, the customer can try again with another online loan product. Maybe this online loan can successfully borrow money. Of course, if you apply for online loans several times and are rejected, it may be that you have recorded personal bad behavior in big data. In this way, it is more difficult to successfully apply for online loans. After all, information is interoperable among many platforms.

In this case, you can try to apply for a loan from the bank. Because banks generally measure the credit status of customers by reviewing their credit reports, rather than evaluating them through big data. Therefore, as long as customers meet the loan conditions proposed by the bank and have good personal credit, they will have the opportunity to apply for bank loans. Of course, compared with online loans, bank loan conditions are stricter and it is not so easy to apply. In fact, personal credit is very important Maintaining good credit will bring a lot of help to customers in handling loans and credit cards. On the contrary, if personal credit is not good, it will cause many obstacles.

Online loan introduction:

1, online lending, mbth is Internetlending, and p2p online lending is the abbreviation of peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

3. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, 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, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

This is the end of p2p loan review, and the main points of P2P online loan review are introduced. I wonder if you have found the information you need?