Shanghai online loan platform

What is the loan platform for repayment in Shanghai?

Which platform is online lending in Shanghai? Next, let me introduce you. Let's have a look.

Shanghai online lending is the general name of online lending platforms in Shanghai. Online loan companies in Shanghai include Yiyou.com, yowza, Paipai, Dianrong.com, Lettuce Finance, Sack Finance, Rice Tank Finance, Pocket Finance, and Shanghai Merchants Wealth.

Lufax:lufax's full name is Shanghai Lufax Information Technology Co., Ltd., and it is a member of Ping An Group. Its business scope includes research and development of financial products, portfolio design and consulting services.

Friend-me-loan: Friend-me-loan is a peer-to-peer lending platform under Haijiayin Financial Services Co., Ltd., which was established on 20 1 1. It is one of the peer-to-peer lending platforms in China and is headquartered in Lujiazui Financial and Trade Zone.

Which online loan is Shanghai Dianrong Finance?

Shanghai Dianrong Finance is a point financing loan.

Point melting. Dianrong.com) is a leading Internet lending platform in China. Founded in China by SoulHtite, co-founder of LendingClub, the world's largest internet lending company, and Guo Yuhang, a senior financial lawyer in China. Point melting. Com is committed to connecting investors with individuals or enterprises with loan needs by technology and providing online information opening services. Point melting. Com uses technology to really reduce the cost of borrowing and improve the return of investors.

Point melting. Through the operation of domestic senior team, com introduced the advanced technology and management experience of LendingClub, the largest peer-to-peer lending platform in the world, and independently matched lenders and borrowers, and built an efficient, transparent, humanized and easy-to-operate online investment and financing platform to solve the most urgent loan and financing problems for domestic individuals and small and medium-sized enterprises. At the same time, Internet technology is used to achieve the lowest audit cost, split the loan share, and realize self-help lending: individuals with idle funds and individuals or enterprises with loan needs can be successfully paired online through point financing.

Borrowers apply for online loans by filling in personal information and submitting relevant materials. At present, the loan amount that can be applied for is between 2,500 yuan and 2 million yuan, and the term ranges from 3 months to 18 months. There are two repayment methods: equal principal and interest, and monthly interest payment. Investors can search and browse the loan list on Dianrong.com, and choose their own loan items and investment amount by checking the loan information verified by Dianrong.com. ..

Because Dianrong.com is a well-known lending platform on the Internet, it has done a good job in some information management. Dianrong is the only online lending platform in Shanghai that has obtained the third-level certification of national information system security protection, and will not be leaked like other informal small platforms.

Although you can submit an online loan application through point financing. Com, some loan needs still need to go to the service outlets in local cities for face-to-face review. The loan review time is generally 1-3 working days. Whether it is a personal loan or a company loan, the audit is more cautious to ensure the correctness of the application materials.

Third, look at the evaluation of the provident fund online loan platform! (Pleasant loan, Xinyi loan, Jiaying loan)

Now better enterprises will pay housing provident fund for their employees. Many people know that housing provident fund can be used to buy a house for decoration, but they don't know that they can also apply for online loans. Today, I will introduce you to several online lending platforms that look at the provident fund.

The loan platforms introduced to you today are: Pleasant Loan, Credit Easy Loan and Jiaying Loan. Yirendai is an online lending platform that has been listed on NYSE, and is known as the first overseas listing of Internet finance in China. Xinyi Loan is an online lending platform from Shanghai, and its popularity is not very high. Jiaying Loan is also a well-known internet finance enterprise, and it is a platform for you and me to borrow online. Details are as follows:

Evaluation:

It is not difficult to see from the backgrounds of the three platforms that pleasant loans have the deepest background. Some netizens reported that the service system of Pleasant Loan is relatively perfect and the lending experience is not bad. The background of the new generation is not very strong, and the overall service level may be weak.

In terms of loan amount, although the three provident fund online lending platforms have different amounts, the specific amount should be determined according to the actual situation of borrowers. If you don't pay the housing provident fund for a long time, no matter which online lending platform, the loan amount you can get will not be very high.

As can be seen from the loan interest rate, Jiaying loan interest is on the high side. So everyone can give priority to pleasant loans or new loans. However, if everyone's credit information is not very good, then the interest rate of Pleasant Loan or Credit Easy Loan will not be very low, so you need to be mentally prepared.

The above is a brief introduction, subject to the platform audit. I hope it will help everyone after reading it.

What loan platforms does Shanghai Finance Company have?

Shanghai Finance Company has a small full financial loan platform. Du Xiaoman Finance, formerly known as Baidu Finance, achieved independent operation in April 20 18. In the era of intelligent finance, Du Xiaoman Finance will give full play to the advantages and technical strength of Baidu AI, and join hands with financial institution partners to provide more people with reliable financial services through technology.

The first is a small all-financial loan platform.

Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a new brand of Xiaoman Finance to achieve independent operation. Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.

Second, the formula of corporate culture

102065438+In February, the United Nations Global Compact China released the list of "Best Practices for Enterprises to Achieve Sustainable Development Goals in 2020". A total of 20 enterprises in China were selected as best practice enterprises, among which the practice of helping small and micro enterprises, helping the poor and helping farmers and creating social employment was commended by the United Nations and successfully selected as "Best Practice Enterprises for Eliminating Poverty and Promoting Prosperity". On August 4, 2020, Suzhou High-tech Zone 2020 Hurun Global Unicorn List was released, with Xiaoman Financial Rank 108. On February 20 19, Du Xiaoman's financial ABS case won the "Excellent Practice Award" of Harvard Business Review on February 20 19 at the "Yue Management" award ceremony held at Wharton China Center. On 202 1 July 21day, Du Xiaoman Finance made an emergency donation of100000 yuan through Henan Charity Federation.

To sum up, with the joint efforts of Xiaoman Finance's multi-business sectors, inclusive finance's ideal is being put into practice, integrating finance into ordinary people's daily lives, helping people realize their dreams of a better life and enabling more people to obtain financial services equally and conveniently.

Is it credible to take a loan in Shanghai?

So far, it is credible.

However, as a new industry, many people still invest in the website platform with a try mentality. On the internet, we see more netizens asking, "Is the loan credible?" Is it reliable to pat on the loan? "Paipai Loan is the longest peer-to-peer lending platform in China's history. As the most influential network platform in the industry, it has been reported in related reports, including CCTV 2, CBN, People's Daily and Netease related financial channels. Auction loan is also the first one in China to obtain special approval from the industrial and commercial department, and at the same time obtain the qualification of financial information service and be recognized by the government. After years of operation, it now has more than one million registered users and hundreds of millions of loans.

However, online loans must be cautious and the amount must not be too large. After all, online supervision is not so strict. Be careful!

List of Compliance Progress of P2P Online Lending Platform in Shanghai (Attached Table)

20 18 is undoubtedly the key moment for all platforms to sprint for the record. 2065438+February 8, 2007, the Office of the Leading Group for P2P Online Lending Risk Special Remediation issued the Notice on Doing a Good Job in the Rectification and Acceptance of P2P Peer-to-Peer Lending Risk Special Remediation (hereinafter referred to as "Document No.57"), requiring all localities to complete the filing and registration of major P2P institutions by the end of April 2065438+2008, and all of them will be completed by the end of June, that is, 6,544.

The filing acceptance documents of multi-regional financial offices have also been issued one after another. On 2065, 438+08, 65, 438+00, Shanghai Financial Office issued "Guidelines for Compliance Audit, Rectification and Acceptance of Information Intermediaries in Personal-to-Personal Lending". Generally speaking, filing mainly focuses on these six aspects: First, the time of establishment. Platforms established after August 24, 20 16 and platforms that have not received rectification notice are not included in this batch for filing in principle; Second, the deposit of funds. The platform should not only be connected to the bank's fund depository system, but also the banks that carry out the fund depository business must pass the test of the mutual fund association. Shanghai also requires that "the platform must open a customer fund depository account in Shanghai"; Third, the problem of surplus. Before filing and acceptance, redundant items must be cleaned up or digested; Fourth, the net worth target. Explicitly prohibit the establishment of net worth standards; Five, such as insurance level three. The platform must obtain the "Grade III Certification of National Information Security Protection" issued by the Ministry of Public Security. Sixth, information disclosure. Set up a special credit approval page and disclose it on time and as required in accordance with the Guidelines for Credit Approval.

For the convenience of all parties, the online lending rating team scored the compliance of online lending platforms in Shanghai according to the Administrative Measures of peer-to-peer lending, Guiding Opinions on Rectification and Acceptance, Document No.57 and the related documents of online lending industry "13" issued by CBRC. According to the requirements of the above documents, the platform compliance is divided into seven first-level indicators, and each indicator is given a full score of 100. The details are provided in the table below.

Table 1 Description of compliance scoring indicators

According to this rule, 80 online lending platforms in Shanghai were scored before August 24, 2006+2065438. Judging from the ranking results, only three platforms scored above 80 points, that is, eBay. Xinxin loan and Jin Lu service. These platforms are in a leading position in compliance, with a positive attitude and obvious results. Among the 80 platforms, 34 platforms scored below 60 points, accounting for 42.5%. These platforms are relatively backward in compliance, and it is necessary to strengthen the investment in compliance rectification.

1, information disclosure

Information disclosure is a relatively good indicator of the completion of each platform, and the quality of completion reflects the willingness of each platform to comply and rectify. Judging from the score of information disclosure, the indicator with high degree of completion is "letter approval column", and 65 platforms have set up special pages for letter approval. Only the legal person of 19 platform signed the letter of approval for accuracy.

Out of 22 points, only 3 platforms with a score of 16 or above, accounting for 38.75%. There are 19 platforms between 0-5 partitions, and these platforms have a weak awareness of credit approval compliance, so it is necessary to remind lenders to be cautious when investing in platforms that do not pay attention to credit approval.

Step 2 limit

It mainly depends on the processing progress of the historical stock of the platform and the project release volume in the past month. The platform surplus is divided into none, average and serious.

Among the listed platforms, the quota completion is relatively high, and 59 platforms have realized the historical stock and new loans within the quota, accounting for 73.75%. However, there are still 1 1.25% platforms in the serious surplus range.

Table 2 List of compliance scores of online lending platforms in Shanghai

Source: Big Data Research Institute and Platform official website. Please contact us if there is any difference. Contact email :wangdaipingji@rong360.com; Tel: 010-81047522/8104741(direct flight)

Note: 1. The deadline for this information collection is March 9;

2. This ranking does not represent platform security and does not constitute investment advice.

The introduction of Shanghai online lending platform ends here.