Online lending has become the darling of borrowers.

However, such loans have also become the hardest hit areas of fraud.

What should I do if I need money urgently? loan

At present, the commonly used loan channels are banks and networks. Many lawless elements use everyone's eagerness for success to "dig a hole" for everyone! Unsecured, unsecured fast loan!

but

There is no such thing as a free lunch

How did the pie fall on your head?

In fact, you have been cheated!

Problems existing in network loans

There are no laws to follow. The interest rate of peer-to-peer lending sometimes far exceeds the prescribed interest rate. In the event of an economic dispute, the lender cannot protect this part of the interests.

There is a lot of room for crime. Bad debts often appear in P2P lending, and some are even suspected of economic fraud. In addition, peer-to-peer lending can easily become a tool for' illegal fund-raising'.

Characteristics of online loan fraud

1. Companies have big names, such as Chengxin Group, XX Loan Group and XX Loan Group Company. It is impossible for such a company to exist, and it is impossible for the industrial and commercial departments to allow such a company name to be registered. Some will fake the name of a bank or a well-known company, but they don't have an office address and can't provide a real company business license and personal ID card.

2. Advertising information generally only provides mobile phone number and contact person. Through the inquiry of mobile phone number, we can see that the publishing houses are concentrated in a few provinces in China.

3. The loan conditions are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.

4. When the borrower is tempted, the swindler will ask for the fee first for various reasons, such as' interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit' and so on.

The borrower paid first and found that the liar's mobile phone couldn't get through. Some borrowers were even cheated because they didn't know the other party's company, personal name, ID card or even where the other party was.

Be wary of online loans.

0 1

Open a website under the banner of a professional company.

02

No guarantee, no guarantee',' Lending on the same day'

In many' online loan scams', attractive advertising slogans such as' no mortgage, no guarantee' and' lending on the same day' often appear. These slogans hit the key of the vast number of business owners and individuals who are in urgent need of funds very accurately. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is that there is no good mortgage assets or guarantee. In this kind of scam, once the small and medium-sized business owners are hooked, they have to pay a certain fee and deposit. Before the loan' because there is no guarantee or mortgage', some even require to pay interest for a certain period in advance.

03

Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words apart from the domain name of regular lending institutions. Most project parties need to be more cautious when making inquiries.

Warm reminder of network police

When applying for a loan, it is the only correct choice to apply for a loan from a formal lending institution. Moreover, formal institutions are open business premises, public contact information and business licenses. When handling credit loans, they also need relevant procedures, such as the applicant's identity certificate and work certificate.

Most importantly, banks and formal loan companies will not require borrowers to pay fees and other fees before applying for loans.

Related Q&A: Related Q&A: Which online lending platform is better? 1.Which P2P online lending platform is better?

As investors, we should know more about some methods to judge the quality of financial management. At present, there are about 2,000 p2p financial platforms in China. Since the regulatory rules of this industry were only promulgated in August this year, most of the remaining companies in the industry are in compliance rectification. Therefore, when choosing to invest in p2p platform, we should learn to distinguish the quality of the platform and choose the platform that suits us.

Generally speaking, we need to judge the following factors:

1, the registered capital of the company knows the registered capital of the P2P platform in that year, shielding P2P without capital ability and reducing risks. Of course, Bian Xiao felt that this method was not always reliable.

2. Risk reserve Risk margin, also known as risk reserve and risk margin, is one of the most commonly used security guarantee methods for P2P platforms. Once the investment projects on the platform are overdue, the risk reserve will be paid in advance to prevent the risk of lending and ensure the safety of users' funds.

3. Depository of bank funds

The platform opens a special deposit account in the bank to deposit users' investment funds, while the p2p platform is only responsible for matching the information of borrowers and lenders, providing matching services, and not contacting users' funds, completely isolating users' funds from platform funds and improving the safety factor.

4.ICP license

The Interim Measures for the Management of Business Activities of Person-to-Person Lending Information Intermediaries stipulates that person-to-person lending information intermediaries shall apply for corresponding telecom business licenses according to regulations, otherwise they shall not carry out person-to-person lending information intermediary business. ICP business license is a necessary qualification for peer-to-peer lending information intermediary platform and a necessary prerequisite for engaging in online lending information intermediary business. 5. Third-party guarantee The P2P platform uses a third-party guarantee company to guarantee the principal and interest of the investment projects on the platform, which is a safer guarantee than the risk deposit.

6. Security of account information

The registration information, investment information, funds and account security of the user platform need to be guaranteed accordingly. For example, we have cooperated with E-Security to save electronic contracts, and we have a professional and mature technical team to upgrade account defense.

7. Platform data disclosure

P2p platform is the most informative platform for online lending. The investor's business data, investment data, asset items, overdue conditions, etc. shall be disclosed in accordance with the Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries, so as to achieve transparent, compliant and standardized operations.

8. Revenue Interval The annualized revenue of the general P2P platform is between 8- 16%. We generally don't tend to choose platforms with low interest rates, but some platforms need to be carefully considered when choosing whether the interest rate is too high to avoid capital damage.

We now try to judge how some p2p platforms are based on the above factors. Take Pratt & Whitney as an example to illustrate: Pratt & Whitney platform has obtained ICP license, reached a fund depository agreement with hengfeng bank, made a risk reserve of130,000 in February, disclosed platform operation data every month, and reached an online contract preservation agreement with E-Security. This shows that the security of the platform is very high.

Second, the safest p2p platform ranking Everyone is very concerned about the security of the p2p industry and hopes to get an authoritative industry platform security ranking. But in fact, such a ranking does not exist for a large number of p2p that have just introduced regulatory rules. However, you can measure the security of each platform by yourself, mainly considering factors such as fund deposit, ICP, risk reserve and account security.

In official website, the online loan portal can get a general understanding of the current ranking of p2p industry. This ranking is based on the information provided by the platform in the online loan home, and is ranked by the online loan home after comprehensive scoring. We can also choose to rank according to development index, transaction, popularity, leverage, dispersion, liquidity and transparency as investment decisions. The following is the information of the top 10 p2p platforms sorted by development index.

Although the ranking of online loan houses has certain reference, Bian Xiao suggested that when choosing a p2p platform, you need to comprehensively consider and judge yourself, collect more information and compare, and consider not only the security, but also the investment threshold and liquidity of the platform before making a choice.