Excuse me, how can the service news of micro-loan be blocked? Is there any advance notice for that repayment?

Micro-loans will send text messages to remind users to repay before the repayment date. At this time, the user can intercept the short message or add the number of the short message to the blacklist, which is equivalent to shielding the repayment notice of micro-loan. The advice here is not to block the repayment notice, after all, sometimes it is easier to forget the repayment when you are busy, and it is better to have a reminder than nothing.

Moreover, there is no charge for the service of micro-loan repayment notice. As long as the user repays on time, it is good to ignore the short message reminding repayment.

Online lending, mbth is Internet lending, 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.

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.

investment risk

Qualification risk

Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.