Is the online loan company legal? What is an online loan company?

Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online 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.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Advantages and disadvantages of peer-to-peer lending.

superiority

High annual compound income

The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.

Simple operation

The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.

Pioneering thinking

Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.

disadvantaged

Unsecured, high interest rate, high risk

Compared with the traditional loan method, online loan is completely. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

credit risk

The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

Lack of effective supervision means

Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

Since June 2065438+2008, P2P peer-to-peer lending platform has been exposed to frequent risks, which has seriously infringed upon the legitimate rights and interests of the broad masses of people and disrupted the market economic order. The Ministry of Public Security attached great importance to this, and immediately deployed local public security organs under the unified leadership of the Party Committee and government, closely cooperated with relevant regulatory authorities, conducted investigations and handled cases according to law, went all out to pursue the pursuit of recovery, and fully safeguarded the legitimate rights and interests of the people and the market economic order. Up to now, the public security organs have filed investigations on more than 380 online lending platforms suspected of illegal fund-raising crimes. According to incomplete statistics, the value of assets involved in seizure, seizure and freezing is about10 billion yuan.

By the end of 20 18, there were 8 133 companies in China. At present, the supervision of informal online lending platforms is stepping up. At the beginning of this year, the central bank and the China Banking Regulatory Commission jointly issued the "Opinions on Doing a Good Job in Classified Disposal and Risk Prevention of Online Lending Institutions", demanding that "all institutions that can quit should be closed", and those institutions that are unwilling to voluntarily quit should be strictly investigated for their illegal behavior through compliance inspection.

What does online lending platform mean? Introduction of online loan platform.

1. peer-to-peer lending, that is, peer-to-peer lending, lends small amounts of money to people who need funds. This lending model is a kind of ITFIN products, which belongs to private micro-lending, and provides related financial services with the help of Internet and mobile Internet technology.

2. The social value of peer-to-peer lending mainly lies in three aspects: meeting the capital needs of individuals and small and micro enterprises and improving the utilization rate of idle funds in society. Internet credit companies (third-party companies and websites) are used as intermediary platforms, and the Internet and mobile Internet technologies are used to provide a network platform for information release and transaction realization, connecting borrowers and borrowers to realize their respective lending needs. The borrower publishes the loan target on the platform, the lender bids to provide the loan for the borrower, and both borrowers and borrowers bid freely, and the platform clinches a deal. In the process of lending, information, funds, contracts and procedures are all realized through the network. It is a new financial model developed with the development of internet and the rise of private lending, and it is also the development trend of financial services in the future.

3. peer-to-peer lending platform, also known as peer-to-peer lending platform, allows people to interact directly through the Internet, which makes communication easier and can be enjoyed and interacted directly.

4. It is worth noting that online lending has certain risks. Generally speaking, the higher the income, the higher the risk. Therefore, when choosing an online lending platform, it is necessary to know in advance whether the platform is compliant and whether the benefits of the platform are reasonable.

What is online lending?

What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and lending it to others, commonly known as online lending, but some online lending is safe. It is also a formal channel, and some online loans are informal channels, just like a quilt. These are all formal channels, and the interest is relatively low. So if you borrow money from others online, which is also called online loan, then this kind of online loan is more dangerous, and online loan is also an informal online loan.

Borrow money blindly

I borrow money purposefully and regularly. For example, if I use normal loans and repay them normally, then I think this online loan is a normal thing, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may lead to the ruin of your family and the next debt. What about things like this? It also happens from time to time If you borrow money blindly, you will owe online loans, which will lead to family destruction. Because some of them are irregular, the interest on online loans is particularly high, and finally you can't afford this price. It's simple.

Don't spend blindly

The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going to online loans and generating huge debts. If they can't stand it, they will be direct. But blind consumption, we should not blindly consume, but compare.

Generally speaking, talking like blind consumption is an important reason why you owe huge online loans. Therefore, we really don't want to blindly consume, which will have an impact on our future and cause us to owe huge debts. If you can't bear it, it's straightforward, causing parents to pay their debts for themselves.

What is online credit?

Network credit is network loan, and network loan is becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet.

There are two modes of online credit:

1, b2c mode

B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. B2c model is limited by geography, because its business subject is an organization limited by geography, and its coverage needs to be expanded.

2. The reason why P2P is favored by people is that P2P mostly exists on the Internet and mobile terminals, and the most direct advantage of mobile Internet is "convenience, efficiency, and no geographical restrictions". Now, it seems that this lightning borrowing mode without geographical restrictions is more optimistic and familiar, and there is huge room for the development of consumer finance in cmnet in the future.

Extended data:

Online credit needs to pay attention to the following four 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 "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. But if you look at such websites carefully, you will find that they generally leave no landline and address, only mobile phones or QQ. Even if they leave an address, they can't stand to look carefully.

2. "Unsecured, unsecured" and "same-day loan"

In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear. These slogans hit the heart 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 take the bait.

3. Pretend to be a formal institution

Some fraudulent companies 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.