By 2020, p2p companies such as lufax, Renren Loan, Hongling Venture Capital, Microfinance Network and Cloud Loan will be recognized by the state.

1, Shanghai hero: lufax

Reason for listing: lufax is a "rich family" and a member of China Ping An Group. Lufax.com professional network investment and financing platform is committed to providing reliable investment and financing services. Lufax, a member of Ping An Group, was established four years ago and is one of the largest online investment and financing platforms in China. It was incorporated in Shanghai on September 20 1 1 with a registered capital of 837 million yuan, and its headquarters is located in Lujiazui, Shanghai, an international financial center. The registered capital is 837 million yuan, and its chairman, Gregory D Gibb, was the chief innovation officer of Ping An Group.

2. Beijing hero: everyone's loan

Reason for listing: Renren Loan is an AAA Internet financial platform in China, and was selected as one of the top 100 Internet companies. At the end of 20 13, it obtained financing of1300,000 USD, and the turnover exceeded1/kloc-0.02 million users. 654.38+300 million risk reserve fund, together with Minsheng Bank, to promote the comprehensive upgrade of P2P fund custody. As one of the earliest Internet-based P2P credit lending service platforms in China, Renren Loan has won a good reputation from users for its honesty, transparency, fairness, efficiency and innovation.

3. Shenzhen protagonist: Hongling Venture Capital

Reason for listing: Hongling Venture Capital can be described as a veteran powerhouse in P2P industry. It was established in 2009 and has been running for more than 6 years. By 24: 00 on June 24th, 20 15, the transaction amount was about 56.2 billion yuan16150,000 yuan. Hongling Venture Capital, as one of the first listed companies, is the leader of "online credit service", the two wings of equity investment and fund management, and the strategic layout supported by the joining of 100 cities nationwide, and is the leader of the national financial transaction innovation model.

4. Zhejiang Hero: Microfinance Network

Reason for listing: Micro-loan Network was established by Hangzhou Ruituo Technology Co., Ltd. on February 20 10, and was launched on July 8, 201year. It is a standardized, safe, efficient, honest and dedicated Internet financial service platform for small and micro enterprises and individuals with capital needs. By June 20 15 and 15, there were 85 officially opened business departments and more than 20 trial business departments, mainly distributed in Zhejiang, Jiangsu, Anhui, Guangdong and other provinces.

5. Henan Hero: Cloud Credit

Reason for listing: Cloud loan is an efficient, transparent, safe and credible Internet investment and financial management platform in Henan. It is the online lending platform with the largest number of registered people, the highest attention and the most active investment in the central region. At present, Cloud Lending is the only Internet financial platform in Central China to access the online financial credit system. It is the first to be certified by China Financial Certification Center (CFCA) and the only one to establish a strategic partnership with China People's Property Insurance Company.

Extended data

The phrase "investment is risky, so be careful when spending money" was not valued by investors at that time. They only cared about the immediate interests, but forgot the existence of risks. Until 20 15, many P2P companies ran away with money and illegally raised funds, and investment talents began to realize that P2P was not 100% original.

However, it is too late to mend, money is gone, and regret is irreparable. Therefore, there was a jumping season at that time, and investors were looking for high floors everywhere to get ready. However, reality does not seem to give them this "opportunity". Finally, the China Banking Regulatory Commission, the State Administration for Industry and Commerce and the Financial Association began to coordinate and control and restrict Internet finance. Various terms began to come out, but what was lost was lost forever.

Suddenly! Building blocks withdraw from P2P online loans and transform online small loans.

On February 15, the building block of Beijing P2P online lending platform announced that the company has the conditions to transform into a small loan company. After careful study, we decided to start strategic transformation from now on and apply for transformation into a company. At the same time, the platform will withdraw from the online loan business in accordance with the provisions of Circular 83.

(announcement page)

The announcement also shows that in June 5438 +2020 10, the parent company of Building Block Puzzle Group and the investment service organization Wenhua Industry Group completed strategic integration. According to reports, Wenhua Industry Group is an investment service organization that focuses on people's livelihood and just needs an industrial chain ecosystem. After integration with Building Block Puzzle Group, Wenhua Industry Group will provide support for platform transformation.

According to the announcement, the platform decided to stop issuing new bids, stop the transfer of creditor's rights, close the recharge channel, and accept the withdrawal operation initiated by users who have paid and recharged the loan at the expiration of the project; Set up an exit working group to cooperate with the third-party asset management company of the platform for a long time to liquidate creditor's rights and debts; Start the preparatory work for the creditors' committee.

20 19 1 1 year 10, the supervision issued the Guiding Opinions on the Pilot Transformation of Information Intermediaries into Companies in Peer-to-Peer Lending (the aforementioned "Document No.83"), which guided some qualified online lending institutions to transform into small loan companies and strengthened the supervision direction of P2P continuous clearing.

It is reported that part of the assets of the building block come from PINTEC, a financial technology company listed in the US stock market. According to previous reports, the building block market originally belonged to Pintec, and was split into a new building block puzzle group on 20 16.

Titanium used to rely heavily on P2P platform building blocks for funding. After the split, the proportion of funding sources of building blocks decreased year by year. According to the financial report data, at the end of 20 16, the proportion of funds from building blocks in titanium business was 99%, which decreased to 8 1% at the end of 20 17 and 62% at the end of 20 18. The 20 19 semi-annual report shows that the proportion of building block funds has further dropped to 45%.

According to the data, by the end of 2020 1, the accumulated loan amount of the building block platform was 59.2446 billion yuan, and by the end of 2020 1, the building block scale to be collected was 4.02 billion yuan.

What are the more reliable p2p financial platforms at present?

20 18 is the compliance filing year of P2P online lending. By the end of the year, the online lending industry will become more and more compliant and reliable, and the investment will be safer.

What is the ranking of the most reliable P2P financial management companies at present? What are the latest top ten P2P financial management companies?

1, pleasant loan

Yirendai (NYSE:YRD) is an online financial service platform in China, which was launched by CreditEase on 20 12. Yirendai provides credit loan consulting services for white-collar workers in China through the Internet, big data and other scientific and technological means, and provides financial consulting services for investors through the online platform of "Yirendai Financial Management". On 20 15 12 18, pleasant loan was successfully listed on the NYSE, becoming the first overseas listing of internet finance in China.

2.lufax

Lufax, launched on October 22nd, 2065438+0265438+/kloc-0, is a p2p financial platform under Ping An Group, with a registered capital of 836.67 million yuan and no bank deposit. In 2065438+2006 10, it was financed by Guotai Junan, Tencent and Minsheng Bank12160,000 yuan. 20 16 joined the China internet finance association on March 25th as the governing unit.

Step 3 rent a shot

As the most famous online lending platform, Paipai Loan has the earliest establishment, the largest transaction volume, the most media reports and the strongest innovation ability. Although many people try to stop the pace of loan auction on the grounds of low overdue rate, they are doomed to fail. In recent years, it is not only simple to invest money, but also simple to borrow money. Strong risk control, just a phone call to borrow money. Recently, it has continued to accelerate and gradually entered the rhythm of conquering the world.

4. Renren Loan

Renren Loan Business Consultant (Beijing) Co., Ltd., established on 20 10, is a leading Internet finance enterprise in China and one of the top 100 Internet enterprises in China, and is committed to providing high-quality and professional personal financial services; Renren loan adheres to the tenet of safety, professionalism and innovation, and builds a reliable financial investment and credit lending platform for individuals.

5. Microfinance network

Micro-loan network is a website that perfectly builds an interactive service platform for users with capital needs and investment needs, and provides low-risk, high-return and diversified investment products for the public. 20 1 1 On May 20, 2008, the micro-loan network announced that it had obtained a series C financing of 1 billion yuan.

6. Xin Kai loan

Xin Kai Loan is a state-owned Internet financial service platform initiated by CDB, a wholly-owned subsidiary of China Development Bank and a large state-owned enterprise in Jiangsu Province. It was approved by Jiangsu Provincial Finance Office on 20 12 and 12.

As a state-owned quasi-public welfare social financial service platform, Xin Kai Loan aims at "development finance leads the standardization of private lending", adheres to the principles of incubation, government guidance, market operation, IT support and quasi-public welfare, relies on Jiangsu high-quality small loan companies, and adopts online and offline mode to organically combine the brand advantages of CDB Finance, the regulatory advantages of Jiangsu Financial Office, the technical support advantages of Jinnong Company and the risk management advantages of small loan companies.

7. Which net do you vote for?

Tuna Com, operated by Shenzhen Tuna Financial Services Co., Ltd. and registered in Shenzhen Industrial and Commercial Bureau on May 4th, 20 12, is an internet financial platform for individuals and small and medium-sized enterprises.

With the triple shareholder background of "state-owned company of listed brokerage", Ne.com Investment Company operates online and offline, and adheres to the risk control strategy of "small amount, dispersion, mortgage and direct operation" to provide safe and convenient internet financial services for small and medium-sized enterprises and individuals.

8.Yiyin.com。

Yiyin.com is the official mobile application (app) of Shanghai Yiyin.com Financial Information Service Co., Ltd. ..

20 14 was invested by Softbank China Capital (SBCVC). The platform adheres to the operating principle of transparency, professionalism and temperature, and takes the Internet as the main channel. One sound. Com is a P2P online lending platform funded by Softbank China and an information intermediary service platform in peer-to-peer lending in P2P online lending industry. Its transparency index and development index rank first in P2P online lending industry.

9, small win financial management

Xiaoying Wealth Management is the first Internet financial platform in China to sell Zhongan Insurance's full capital preservation wealth management products. Zhong 'an Insurance, the strategic partner of Xiaoying Wealth Management, provides full principal and interest protection for wealth management products sold in Zhong 'an Insurance Zone of Xiaoying Platform. At present, the highest annualized income can reach 10%.

Zhongan Insurance was founded by Ant Financial (founder Ma Yun), Tencent (founder Ma) and China Ping An (chairman Ma Mingzhe), and is called "Sanma Insurance". As the first internet insurance company in China, Zhongan is also a financial technology company that promotes financial development through technological innovation, with a valuation of more than 50 billion yuan.

Tuandai.com 10

China Internet Finance Leading Service Platform for Group Loan. Com, with a listing background, provides users with professional, efficient and transparent financial services. Having been a strong brand for five years, the new round of financing is 65.438+0.8 billion yuan. User transaction funds and hundreds of millions of third-party guarantee funds are fully deposited by Xiamen Bank with a registered capital of 654.38 billion yuan.

The above is the information about "20 18 Top Ten Reliable Online Lending Platforms". Financial management is risky, and investment needs to be cautious!

What are the well-known p2p financial management companies in China?

teacher

Online time: 20 12 1 month

Company location: Pudong, Shanghai

Company Profile: Shanghai lufax Internet Financial Information Service Co., Ltd. is a wholly-owned subsidiary of Shanghai Lujiazui International Financial Assets Trading Market Co., Ltd., which is committed to providing an intermediary information service platform for peer-to-peer lending. 20 14 10 was incorporated in Shanghai with a registered capital of 1 100 million yuan, located in Lujiazui, Shanghai, an international financial center. The company is committed to inclusive financial development and information technology innovation, and has a sound risk management and control system.

Based on, it aims to build a fair, transparent, stable and efficient information service platform for individuals or enterprises with capital needs and financial management needs, and help realize convenient and efficient low-cost financing and wealth appreciation.

Yirendai

Online time: 2065438+July 2002

Company location: Beijing-Chaoyang

Company Profile: Pleasant Loan is the leading online financial service platform in China, which was launched by CreditEase on 20 12. Pleasant loan provides efficient, convenient and personalized credit loan consulting services for high-quality urban white-collar workers in China through technology-driven financial innovation; Through "Happy Wealth", we will provide safe and professional wealth management services for the wealthy. 20 15 12 18, pleasant loan was successful in NYSE.

City, become the first financial technology in China. As of March 3, 20 17, pleasant loan has served more than 600,000 borrowers and nearly10.2 million lenders, with a total loan of 39.3 billion yuan.

Dianrong net

Online time: 2065438+March 2003

Company location: Shanghai-Huangpu

Company Profile: Dianrong. Com is a leading Internet finance company in China. SoulHtite, co-founder and former technical president of 2065 438+02 lending club, cooperated with a well-known lawyer and private equity fund in Shanghai.

Guo Yuhang co-founded, headquartered in Shanghai. The platform was launched in March 2065438+2003. At present, Dianrong.com has 28 outlets and more than 3,500 employees in China, focusing on Internet lending platforms and banking solutions.

Peer to peer loan

Online time: 20 10 1 month

Company location: Haidian, Beijing

Company Profile: Renren Credit Business Consultant (Beijing) Co., Ltd., established on 20 10, is a professional information intermediary service platform for P2P lending under Renren Credit. As the earliest peer-to-peer lending information intermediary service in China,

As one of the service platforms, Renren Loan is committed to providing professional online credit and investment matching services for high-growth people. In 20 14, people got a series of financing of1300,000 USD, and completed the deposit of bank funds in February 20 16.

Pat tape

Online time: June 2007

Company location: Pudong, Shanghai

Company Profile: Paipai Loan was established in June 2007. The full name of the company is "Shanghai Paipai Loan Financial Information Service Co., Ltd.". Headquartered in Shanghai, an international financial center, it is an online information lending platform. By the end of 20 16 and 12, the registered users of the auction loan platform had reached 30 million, occupying a leading position in the industry in terms of brand influence, number of users and platform transaction volume.

Why is credit lending so slow now?

On the afternoon of 20 1 19/0/22, Beijing P2P Platform and Credit announced on its official APP that since 201918, due to the third-party payment company, the repayment channel was temporarily closed, resulting in some lenders. According to the credit, some lenders will still be unable to receive the payment in time, and the estimated impact time is about one month.

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The credit company was established in 20 13 Beijing, located in Shimao Building, CBD. It is mainly committed to building a loose, convenient, safe and transparent lending platform for borrowers and lenders with capital needs.

Harmony, honesty and trust will build an honest society with you. Credit and credit provide professional and reliable information intermediary services in peer-to-peer lending for individuals and small and medium-sized enterprises. The company has a management team from the international and China credit frontier, introduced foreign management concepts, combined with the experience of domestic excellent enterprises, and established a unique modern enterprise operation mechanism and market management system.

Credit has a very complete departmental team, and each team serves every customer with its own professionalism. The credit team mainly includes: risk control team, credit review team, post-loan management team, collection team, operation management team, technical team, customer service team and credit marketing team. Professional team division and professional credit service reflect the professional service level of credit.

20 19 1.8, and Credit announced that it will cooperate with Phoenix Finance's online lending platform in the field of consumer credit in the next three years with a scale of10 billion yuan.

According to the terms of the agreement, Credit and Credit will acquire 5.88% equity of Phoenix Telijin Credit Group Co., Ltd., a wholly-owned subsidiary of Phoenix Financial Group, for US$ 29 million.

Platform vision: public finance, mutual benefit and win-win situation. Platform slogan: just higher!

Through technological innovation and model innovation, we can reduce management costs, always provide users with higher expected income in a legal, compliant and reasonable space, return profits to users, and help users achieve higher wealth appreciation.

Brand image: wealth, compliance and innovation.

The word "He" in Xiao Zhuan is embedded in the ring, and the mouth of the word "He" and the ring complement each other, forming the shape of ancient coins and embodying the meaning of wealth. The non-closed loop shows that the platform will continue to innovate on the basis of compliance and continue to provide personalized services to users.

Does Jieyue Loan have a credit report?

Beijing Jieyue Loan Company is collecting credit information.

Beijing Jieyue Loan Company, whose full name is Beijing Jieyue United Financial Information Service Co., Ltd., has been connected to the credit information system of the People's Bank of China according to the relevant work arrangements for the construction of credit information system in P2P online lending field.

Therefore, in order to ensure the smooth loan of your later mortgage, if you borrow money from Beijing Jieyue Loan Company, you'd better repay it on time.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

This is the end of the introduction of Beijing p2p loan company and five p2p companies in Beijing. Did you find the information you needed?