Can a mobile phone be loaned online if it is not a real name?

No, the mobile phone number is not in the real-name registration system, so you can't apply for an order. You must have a mobile phone number that has been used for more than 3 months in the real-name registration system to apply.

Introduction:

P2P online lending, or peer-to-peer 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.

P2P mode

P2p mode

Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal.

In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".

Transfer mode of creditor's rights

2. Method of creditor's rights transfer

The creditor's rights transfer model can better connect the borrower's capital demand with the investor's capital demand, and actively carry out business in batches, rather than passively waiting for their respective matching, thus achieving rapid expansion of scale. It is closely related to the target customer groups of microfinance that the development of Internet in China has not yet spread. Almost all online lending platforms established since 20 12 are creditor's rights transfer models.

Because of the extension of credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of creditor's rights transfer has been questioned. Many traditional P2P institutions think that this is "not P2P, and the risk will affect the P2P industry".

P2B mode

P2B platform is characterized by individual to organization, and the specific operation mode is that third-party organizations do risk control. The platform connects the risk control projects or targets of third-party organizations with investors on the platform, and intelligently solves the problems of unprofessional risk control and poor risk control level of the platform.

Generally speaking, the risk of P2B business model is much lower than that of P2P business model, and its security is more worthy of investors' trust.

According to the different cooperation institutions, P2B platforms can be subdivided into the following categories:

First, a platform for cooperation with guarantee companies;

The second is a platform for cooperation with small loan companies;

Third, a platform for cooperation with factoring companies and financial leasing companies;

Fourth, a platform for cooperation with powerful licensed formal financial institutions such as securities companies, four major asset management companies and banks.

Because guarantee companies usually have weak risk control ability, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, and licensed formal financial institutions with strong strength such as securities companies, four asset management companies and banks have the strongest risk control ability and the highest risk control level. Therefore, in these types of P2B platforms, the first risk is greater, followed by the second and third risks, and the fourth risk has a stronger relationship with securities companies, four major asset management companies and banks.