How many hours does it usually take to get a loan?

E After the loan application is processed, the loan will generally be distributed to the designated account within 48 hours, and the fastest is to arrive in real time. However, in case of national legal holidays or Saturday and Sunday, the payment will be delayed until the working day. E will be notified by SMS after the loan is successfully received. Users who want to apply can log in to China Merchants Bank Mobile Banking, select "My-All-Credit Card-Cash Credit -E Loan-Apply Now", then fill in the information and submit the application.

Peer-to-peer lending refers to direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. As a new lending platform in peer-to-peer lending, loan companies usually operate online, so they can operate at lower management costs and provide cheaper services than traditional financial institutions.

The essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance.

At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

Online loan attribute

Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, people often confuse it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.