Which app is Longjiang Bank online loan?

The software of online loan companies cooperating with Longjiang Bank includes: Bai Bao loan, fast installment loan and small win card loan. Only these three softwares have been found so far.

First, the risk of online lending:

1, the virtual nature of online transactions makes it impossible to authenticate the credit status of both borrowers and borrowers, which is prone to fraud and breach of contract disputes.

2. A lot of lender information published on the Internet platform is in the name of "loan company" and "financing company". In fact, financial institutions must be approved by the state to engage in financial services such as credit financing. Those who engage in financial activities without authorization are often punished for "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management.

3. If loans are issued on behalf of the online platform, if the online platform neglects self-supervision, or the internal control procedures fail, or are used by others, there may be cases of fabricating loan information and illegally raising funds.

Second, the possible problems:

Question 1: there is no law to follow. The interest rate in peer-to-peer lending sometimes far exceeds the prescribed interest rate, and once an economic dispute occurs, the lender cannot safeguard this part of the interests.

Question 2: It's easy to get old. Due to the lack of bank credit system, overdue repayment sometimes occurs.

Question 3: Crime space. "Bad debts" often appear in peer-to-peer lending, and some are even suspected of economic fraud. In addition, peer-to-peer lending can easily become a tool for "illegal fund-raising".

Third, beware of fraudsters' scams:

1. Establish a website under the banner of a professional company. Such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "agencies all over the country" appear, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners.

2. "No mortgage, no guarantee" and "Lending on the same day" in many online loan scams, attractive slogans such as "No mortgage, no guarantee" and "Lending on the same day" often hit the nail on the head of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this scam, once the small and medium-sized business owners are hooked, they are required to pay a certain fee, deposit, etc. Before lending money, because there is no need for guarantee or mortgage, some even require to pay interest for a certain period in advance, thus being deceived.

3. Some scammers pretend to be formal institutions and highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions. Most project parties need to be more cautious when making inquiries.

4. Online transfer scam In the online transfer scam, the fraudster will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.