Is bee finance reliable? Can I borrow some money?

Reliable. It can be judged from the company's qualifications, arbitrary charges before lending, and audit mechanism.

1. First, check the qualification of the loan platform company. Most formal small loan companies have the words "small loan" in their business license names. Unknown friends can directly log in to the provincial enterprise credit information publicity system for verification. Second, formal microfinance companies only lend money and do not exist. Contact information must be fixed telephone. If it is a mobile phone number, it seems a bit false and unreliable.

2. Expenses before loan

We should know that formal financial lending companies do not charge borrowers any fees before lending. If you need to pay various fees such as deposit, handling fee, deposit, service fee and beheading interest before applying for online loan account opening, please stop the loan immediately.

3. Audit mechanism

The formal online lending platform has a strict review mechanism. Some users not only need to view the big data of online loans, but also need to view the user's central bank credit report. If you borrow money online, the application procedure is too simple and the loan interest rate is too low, which is very attractive. You must pay more attention to avoiding term loans.

4. Loan interest rate

According to China's relevant laws and regulations, the annual interest rate of loans can be protected within 24%. If the annual interest rate exceeds 36%, it can be characterized as usury, and some borrowers can't repay it. The online loan interest rate is too high, which is definitely not reliable.

Finally, Bian Xiao reminded everyone to do a good job of preventing loan fraud before lending, try to choose a formal loan platform, and don't blindly follow suit to apply for loans. Friends who really can't judge can also directly apply for bank loans, or larger online loans, such as Alipay loans, WeChat granular loans, and JD.COM IOUs.

: The hazards of online lending are as follows:

1. The rates of some online lending platforms are unclear, and the expressions such as handling fees, late fees and liquidated damages are hidden to a certain extent, which may firmly grasp the loan students. Once the repayment is overdue, college students may be unable to bear the loss of funds, leading to a credit crisis of over-consumption.

2. Due to the low threshold of online loan installment consumption, it provides a platform for college students to spend in advance and luxury consumption. However, many college students are heavily in debt due to impulsive consumption, which brings trouble to their normal study.

3. If the payment is overdue, it will affect the personal credit information of college students in the bank. Once the personal credit stain appears, after entering the society in the future, whether applying for a credit card or a loan, it will cost more than others, and may even be rejected. In addition, once these small online lending companies are changed, there are still hidden dangers of the disclosure of private information such as college students' ID cards and ID cards.