There are so many loan softwares now, what do you think?

At present, there are many online loan apps, among which Bai Hua, Lending Treasure and Micro-loan are the most widely used. Others include JD.COM Gold Bar, Baidu Money, Zhaolian, Youyou Loan, Feidai Loan, Youwo Loan, Wanda Loan, Comfortable Flower Loan, Pleasant Loan, Hengyi Loan, Renren Loan and Meituan. The rest are online loans such as Gome Easy Card, Jiufu Wanka, Doudou Money, installment music and installment.

You want to borrow money once and spend it again. At this time, you can borrow money and spend whatever you want. No other ideas. At that time, it was a temporary loan, and it was always cool. When your bills are one after another, you start to rob Peter to pay Paul. The loopholes are getting bigger and bigger, and they are getting deeper and deeper. At that time, your credit inquiries will be more and more inadvertently, and your big data inquiries will be more, indicating that long-term lending has been controlled by the wind. You will realize that your monthly income is not enough to pay interest, and you have to pay back the amount of your online loan slowly. Your credit investigation is facing the feeling of overdue, and you are afraid to confess to your family and relatives. You may have to bear the pain alone. Maybe the bill is only a few hundred dollars, and you may be out of breath. Every day, you will make a list for the bill, which platform today and which platform tomorrow, day after day, year after year. I don't know when this life will end, so you will become silent, and you may not come to me for a party with more than five yuan. You used to spend a lot of money, but you became passive with confidence. Nuo Nuo didn't dare to say it, and you felt inferior and stingy. Maybe this time is your lowest point, and you should also think of effective ways to solve it.

There are many ways to deal with it, such as frankly borrowing money from relatives and friends with family members, communicating with the lending platform, or earning more part-time jobs and trying to make money. Great youth, since it is overspent, should use your later efforts and time to pay the bill. A blessing in disguise may cultivate your inertia when borrowing. If you don't work, you can apply for a lot of loans on the platform, which can make your life very moist and you start to be lazy. When you are faced with repayment pressure, you just need to keep a positive and optimistic attitude and work hard to make money, and your potential will be discovered. Your efforts, your hard work, your bit by bit may be a step towards success!

It is not unreasonable to stay away from borrowing. If you are deeply involved in online lending now, you should be optimistic about yourself and actively change yourself. If it is still negative, it may fall into an infinite loop!

Online lending is risky! Investment needs to be cautious!

There are so many apps in peer-to-peer lending, are they reliable?

According to the statistics of collected platforms of online loan house, 66 platforms have been collected17, and only 646 platforms are in normal operation, which is less than 10%. We can see how unreliable the online lending platform is, but there are still 365,438+065,438+00 platforms that are closing down and transforming. What do you mean, these platforms no longer provide lending services and are repaying investors' money.

Since online lending platforms are unreliable, why are there so many platforms?

I think there are three types of online lending platforms.

We say that supply and demand echo each other. There are a lot of lending software now, so on the other hand, there is a lot of market demand, so there will be such software.

1. Traditional financial institutions have insufficient financial services, and the loan review time is long and strict, which cannot fully cover the needy groups. Most of them are concentrated in "high-tech" people and medium and large enterprises. On the contrary, people who really need funds and small and medium-sized enterprises are excluded from traditional instant services.

2. Peer-to-peer lending has a fast auditing speed, and the auditing logic is completely different from that of banks. With the help of Internet, big data and other technologies, the cost is relatively low and the efficiency is high, and the people covered are mainly long-tail customers that traditional financial institutions cannot serve.

3. At present, P2P lending industry is subdivided into many fields, such as consumer finance companies, lending companies, P2P online loans, online small loans and so on. Some are difficult to enter, such as consumer finance companies; Some have no threshold restrictions for the time being, such as lending companies. Temporary market supervision is backward to some extent, so it gives people who want a piece of the action a chance. Among them, some enterprises rely on the existing business to expand into the financial business field in peer-to-peer lending, such as loan treasures, flower shops and micro-loans provided by well-known major Internet giants; Some are "pure" enterprises that want to engage in peer-to-peer lending business, such as consumer finance immediately and Gitzo consumer finance. Of course, some of them just came to speculate and left for a sum of money.

Therefore, comrades who need to borrow money must find out the operating qualifications behind these loan software before lending, find those legal and compliant routines, and don't violate the law.

PS: If you are interested in peer-to-peer lending, you can click on my avatar and find the column "Peer-to-Peer Lending in Internet Finance". This is a column I made about peer-to-peer lending, chapter 10, which introduces and explains various modes of peer-to-peer lending in detail. I hope it helps you.

After the last one or two years of rectification, online lending has been standardized a lot, and the rest of the online lending is officially allowed or licensed. Although online lending is formal, it is profitable and illegal. Borrowers are advised not to touch it, because almost all people who are injured and self-mutilated originate from it. Once touched, it hurts not only myself, but also my white-haired parents, relatives and friends, who don't know, regret, or even a shadow that can't be erased for a lifetime! This is my personal opinion. Of course, regular online loans are still good. Try it if necessary, but keep your eyes open, because you never know what terms are binding on you!

If you don't have money, you can learn from me to dig down the mountain pile and sell it in the countryside. There will be precious saplings in every area. If you don't understand, I can take them, provided that you are hard-working and not afraid of being tired. Don't believe that the so-called online part-time job is unreliable, which will make you unable to extricate yourself from scratch, or dig seedlings in the countryside as hard as me!

There are advantages and disadvantages, which have played a catalytic or promoting role in the development of society. When Internet payment appeared, someone once said, "Banks don't change, we change." This is very effective. The appearance of Alipay and WeChat changed the payment method of banks, ATM machines were almost destroyed, and the appearance of various financial investment software also changed the operation mode of banks, so it undoubtedly played a role in promoting society. As a consumer or investor, the risk has increased, and it is not an exaggeration to accidentally close down the company, resulting in "family destruction".

I still suggest using a credit card for financial loans, which is more reliable. Although the rate is high, it is very safe. As for other online loans, they are all used to attract customers through low rates. And then sell your personal information online, which is really hateful.

Relevant departments should establish rules and standards from the source, strictly control and standardize the online loan business, and bring it into comprehensive management. They should severely punish violators, create a fair financial environment, effectively avoid unnecessary problems, do their best to prevent vicious incidents and make online lending a blue sky.

I think you should find a formal bank loan, and don't go to a place you no longer trust, so as to guarantee your legitimate rights and interests.

Corruption is very simple, two words: quick money.

I have to say that now microfinance has become a prairie fire, music is staged, and a hundred flowers are blooming ... All kinds of software can be applied for operation only with an ID card and a bank card, and its process is simple and widely used by the public.

From students to white-collar workers in companies, there are too many social temptations. Many college students' consumption views are really deformed and vain. A fan of Henan Jianye borrowed millions of dollars in peer-to-peer loans, which made people think deeply. Because bank credit cards have removed the college students' market, and college students have a weak consciousness and no stable income, a small number of small loan companies have targeted such people. Generally, children owe money to small loan companies, and parents will choose to "break the money and avoid disasters" to help their children "settle things". Although the loan amount of small loan companies to college students is not large, the interest is huge. Many college students choose to take risks. Without fixed income, they will be overdue and their interest will increase, which will also have an impact on their credit situation in the future.

A female college student once said that she borrowed 6,400 yuan and finally paid back 9,000 yuan with interest. Sometimes people often receive text messages on their mobile phones: XXX, your approval has passed, and the maximum amount is XX yuan. Please withdraw cash from XXX software. It is really a word. As long as online loans are used, the interest is either too high or the information is leaked.

Some netizens broke the news that some people used the lending platform to provide "naked loans". When the borrower borrows money, the borrower does not borrow money, but holds the ID card naked. In the event of a breach of contract, nude photos will be published to force the borrower to repay, which has caused serious harm to the victim. As I am also a student, every time I watch the news, Weibo, I feel sad and angry when I see some young people commit suicide because various lending software can't repay the loan.

Many examples are given to illustrate some real situations. I hope this group of students must have their own judgments. The reason for borrowing money is generally considered vanity. I don't know if it has ever occurred to you that most students have no stable income and blindly consume regardless of their own conditions. It was great when they borrowed it, but what about when they paid it back later? At that time, I borrowed money because I had no money, so I will have money after I pay it back? So I will choose to continue to borrow money, rob Peter to pay Paul, and finally I won't pay it. A small number of people have poor family conditions and their parents can't support their inflated desires. The emergence of some lending companies is like opening a window for them, so they jumped without thinking and fell into one trap after another.

Some people say that I spend tomorrow's money to realize today's dream. Yes, you can choose to study and get a scholarship, or you can choose a part-time job. If it doesn't work, you can choose to ask your parents for it. I believe they will agree with reasonable reasons.

I hope that college students or you who have already worked will choose rational consumption and have your own judgment. Relevant regulatory authorities must do a good job in corresponding supervision. A mature supervision system is more conducive to sound development and avoids bigger problems.