What is the online lending platform?

Question 1: What does online lending platform mean? Is there anything reliable? Online lending platform refers to P2P individuals, that is, personal-to-personal lending through Internet tools.

To judge whether a platform is reliable, we can mainly consider the following directions:

1, enterprise qualification and team strength

Including the establishment time of the platform, relevant certificates of the enterprise, ICP filing of the website, background of the management team, registered paid-in capital, whether it has its own technology research and development team, annualized rate of return, etc. Usually, the formal P2P platform business-related licenses are complete, and the annualized rate of return is generally maintained between 10%- 18%.

2. Platform guarantee mode

At present, there are three modes of P2P platform: self-guarantee mode, third-party guarantee mode and unsecured mode. The third-party guarantee mode is the best. Once the financier defaults or is overdue, the third-party guarantee company will be responsible for compensating the investor. This model is currently trusted and respected by mature investors.

3. Capital flow of the platform

The essence of P2P is to provide intermediary services, and it should not involve transactions. The reason for the cash withdrawal crisis is probably because the company diverted the customers' deposited funds for its own use or for other purposes.

When you say online financing, everyone can borrow money and lufax. It's just a personal opinion, depending on your personal risk tolerance. If you are conservative, of course, it is safest to deposit in a bank.

Question 2: What is the difference between a credit platform and an online lending platform? Credit is a credit loan, and the lender needs to comprehensively consider the borrower's credit, economic ability and purpose in order to know whether the loan can be recovered and how much income it can provide. Because there are many aspects to consider, the examination and approval time will be longer, and it will be more troublesome to use money urgently. Online lending is a type that can be operated online. The borrower publishes the loan demand on the platform, and the netizen makes capital investment after judging the demand. After maturity, the borrower repays the principal and interest. Online lending platforms are also divided into mortgage and credit. At present, only Qian Duoduo is doing mortgage in China, which is relatively safe. There are many people who do credit and their qualifications are uneven. It takes an old hand to see correctly.

Question 3: What does p2p online lending mean? Peer-to-peer lending, also known as P2P peer-to-peer lending. P2P is the abbreviation of English peer to peer, which means "person to person". 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. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

The biggest advantage of P2P online lending is that borrowers who are difficult to be covered by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world.

Question 4: What is an online lending platform? What is the online loan platform for? That's right.

Question 5: What is the safest online lending platform in China? No platform dares to say that it is the safest. I have invested in many platforms, such as Lending Bar and Renren Loan, so I must go to official website to learn about it.

Question 6: What does the asset-based p2p online lending platform mean? Asset-based P2P online lending platforms have actual materials as collateral or pledge, and there is no credit standard like general platforms. If you want to do it, you can come to me, and we will do this platform system here.

Question 7: What is the difference between online lending and P2P online lending? The difference between crowdfunding and P2P

The first difference lies in the choice of the borrower. The project sponsors of crowdfunding must first show their products and their project ideas to the greatest extent before they can pass the platform audit; P2P platform pays more attention to the borrower's ability to prove his repayment ability.

Furthermore, crowdfunding appeals to investors as project sponsors to participate in the process of product production and promotion in order to get better feedback and provide some convenience for project people. P2P is aimed at individuals and enterprises with capital needs, and the funds invested by investors are mainly used for the consumption and flow of some borrowers or enterprises with economic ability.

Finally, it should be pointed out that the return of crowdfunding investors may be product-oriented, such as becoming a project sponsor. The return of P2P investors is interest income, which means that the money in the account has increased.

If the perfection of the internet has solved the big dream of squatting at home, then internet financial management will save the time of running the bank business hall together. Last year's fiery balance treasure made everyone suddenly realize that the original spare money can be played like this except in the bank. But a year later, watching the disappointing decline of the 7-day annualized rate of return curve, everyone's eyes began to turn to other forms of financial management, P2P and crowdfunding are two of them.

How far is P2P from us?

In fact, the P2P lending model was not born on the Internet, and it has nothing to do with the popular "peer-to-peer" technology of exchanging clothes and few big sister movies. P2P can be traced back to 1976. A Bangladeshi professor named Yunus lent $27 in his pocket to 42 poor villagers to pay their meager cost of making bamboo stools and avoid being exploited by usurers. Thirty years later, in 2006, the professor won the Nobel Peace Prize, and P2P has long been deeply rooted in people's hearts.

The so-called P2P rules are very simple, which can be summed up in one sentence: find a rich owner, borrow money from him and pay a certain interest in return. Investors pay more attention to the sustainable development space of lenders. Today, even if the object is no longer just the farmer's uncle, the mechanism without mortgage is still effective.

As early as 2005, four British youths gave up the time cost of pursuing girls and established Zopa(zona of Possible Agreement), the world's first P2P online lending platform. Investors can list the amount, interest rate and the time when they want to lend money, while borrowers search for suitable loan products according to the purpose and amount. Zopa charges both borrowers and borrowers a fee instead of earning interest. Today, foreign P2P online lending platforms have set foot in the world. Investors are likely to watch the World Cup in Brazil while completing their investment in a project in Africa. The simplicity and superiority of P2P are fully reflected.

But don't be too happy, P2P is not flawless. P2P trading mechanism itself is not completely reasonable. Once investors make mistakes in credit judgment and bad debts appear, losses are inevitable. Because the threshold of P2P itself is too low, it means that strong morality is needed as a constraint. The more people use it, the higher the moral hazard. In other words, no matter how perfect the trading mechanism is, there will still be defects on the P2P platform. When the forest grows up, we can't expect everyone to be a good person.

At present, P2P is also a mess in China, and there is no unified management and credit center, which is just a stumbling block for banks. Before big data has begun to play a role, investors will only invest if the threshold for auditing is raised, for example, the registered capital is more than 5 million. This means that, to a large extent, domestic P2P is not suitable for Pan Fu.

Crowdfunding just looks good.

Crowdfunding is translated from crowdfunding, that is, mass fundraising or mass fundraising, which also has the characteristics of low threshold and diversity. As long as the initiator has a wild imagination, the supporters think that this idea is promising and can promote the project. For example, the movie version of "100,000 Cold Jokes" or the entertainment treasure on Taobao are all in this form.

Unlike donations, crowdfunding is an investment with corresponding returns, but it cannot be a financial return. The final result may be that the director promised to sign a copy of Nezha's 100,000 Cold Jokes, or his name will be the same as Liu Yifei's. Or get the preemptive right or discount of new products.

Therefore, crowdfunding is like group buying and investment >>

Question 8: What is P2P online lending platform, also known as P2P peer-to-peer lending? P2P is the abbreviation of English peer to peer, which means "person to person". 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. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

The biggest advantage of P2P online lending is that borrowers who are difficult to be covered by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world. The number of online lending platforms has increased rapidly in China in the past two years. At present, there are about 350 active platforms, and the total number has reached more than 1600 in August of 20 14.

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Question 9: What are the more reliable online lending platforms? There are many popular online lending platforms now, and you need to be discerning before you authenticate to avoid the disclosure of personal information.