1. The top ten most popular apps

As follows:

1. "Douyin"

The current one It is a very popular short video app. The content of the app covers many aspects, whether it is beauty, food, or learning. You can find the corresponding videos here, and it is very inclusive. If you use Douyin for too long on weekdays, there will be an official reminder to the user that it’s time to take a rest.

2. "Today's Toutiao"

An APP that integrates short videos, novels, news, and information. This software is very powerful and has developed independent creations. Human channel, any user can have a place here through hard study.

3. "Youku Video"

A classic film and television app. Many popular films and televisions can be watched here. There is a barrage function in the video. You can open the barrage and join everyone. discuss. Although some videos require VIP membership, Youku members can redeem it for free on many channels, which is very cost-effective compared to other film and television software.

4. "Seven Cats Free Novels"

A software that allows you to read novels for free. The software contains male and female novels of various themes, and users do not need to pay. There is also a book listening function in the software. You can set your favorite voice and playback speed, and it will automatically read snippets of novels.

5. "QQ Music"

A very classic music listening software. QQ Music has both popular and unpopular songs. You can also invite friends to listen to songs together, including Cantonese songs. It has a transliteration function, which is a good choice for users who want to learn Cantonese songs.

6. "Tencent Mobile Manager"

An APP that can protect your mobile phone. It has very powerful functions. You can set up harassment interception, automatically filter out harassing and advertising calls, and always protect your mobile phone. It is safe and protects personal privacy. In addition, it also has special cleaning, data recovery and other functions.

7. "Little Red Book"

A beauty and fashion APP that allows you to shop and share goodies. Xiaohongshu has already attracted many big-name celebrities, and users like to use it. Share some of your own experiences on the platform. Before buying something, you can search in the software to effectively clear mines.

8. "Zhihu"

A popular software based on question and answer. In this software, users can post some of their doubts in the software. There are enthusiastic users Answer, no matter which field you are in, you can find the answers you want. Well-known celebrities are stationed in the software to answer some professional questions for everyone.

9. "Quark"

A simple browser search app. There are basically no small ads in this software. Pages will pop up during the browsing process. It has complete functions. Be concise and clear. The software has five other built-in engines, and you can switch back and forth between well-known search engines such as Baidu and Google.

10. "Himalaya"

Although this software is a radio application, you can listen to books, lectures, and stories in it without too many restrictions. Users can choose their favorite channels, and the voices in each channel are prepared by professional voice actors, with varied styles.

2. Ranking of the most popular mobile loan apps in 2017

In the blink of an eye, 2016 has passed, and the Spring Festival of 2017 is here. Many people want to borrow money through mobile apps at this time, and mobile phone borrowing has become the most frequently used borrowing method for those born in the 80s and 90s. There are all kinds of mobile loan apps on the market now, and some of them are not necessarily safe. Therefore, when choosing an APP to bring to a mobile phone, we should also pay attention to whether the mobile loan APP is compliant. Today I will introduce to you some safe, fast and popular mobile loan apps in 2017.

1. Ant Jiebei Jiebei is a loan service from Alipay. The application threshold is above 600 Sesame points. Depending on the score, the loan amount that users can apply for is a minimum of 1,000 yuan and a maximum of 50,000 yuan. The monthly expected annualized interest rate is 12 months and the maximum repayment period is 12 months. You can repay as you borrow.

2. CMB Flash Loan This is a mobile Internet loan product of China Merchants Bank. Users can apply for it by themselves through CMB’s mobile banking APP or online banking, and the entire process of loan application, approval, contract signing and loan disbursement is automatically processed by the system. Compared with other loan products, China Merchants Bank Flash Loan is a representative example. The loan amount is high and cannot be compared with other small loan products. However, the expected annualized interest rate of the loan is relatively high. The expected annualized interest rate is more than 15, which is not affordable and It is a whitelist invitation system, and even if you are a customer of China Merchants Bank, you may not be eligible for credit. 3. Immediate Finance Immediate Finance is co-sponsored by well-known domestic enterprises Sunshine Insurance, Bank of Chongqing, Chongqing Department Store, Zhongke Financial, Zhejiang Commodity City, and Wumart Holdings. You can borrow money simply by binding your card, striving to provide consumers with a better service experience. 4. Ping An Yidai Ping An Yidai is a mobile quick loan APP product of Ping An Group. The application entry threshold is low and anyone over 18 years old can apply. The repayment method is flexible and calculated on a daily basis. Ping An Yidai is a loan product with relatively low entry threshold, but it has high monthly fees and high interest rates. The credit granting group is limited, mainly targeting: office workers, business owners, people who own houses or cars, life insurance policyholders, etc.

3. Are there any formal lending platforms?

According to different qualification levels and interest rate levels, they can be roughly divided into the following categories:

1. The five major banks and leading joint-stock banks

Many people There is a relatively stereotyped impression about banks as a lending institution, that is, there are no products for personal use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, whether it is the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, and Bank of Communications, or the major joint-stock companies such as China Merchants Bank, China CITIC Bank, China Minsheng Bank, Industrial Bank, Ping An Bank, China Guangfa Bank, etc. Banks all have their own APPs, and they can already apply for credit loans in their own APPs. But after all, it is a leading bank and has relatively high risk control requirements, so the entry threshold is also relatively high.

2. City commercial banks and private banks

Except for some leading banks, there are now many local banks that also attach great importance to the online lending business. At the same time, due to the technological investment these banks have made in online lending over the years, their online technology is also very developed. The more well-known ones include some local city commercial banks, such as Bank of Beijing, Bank of Shanghai, etc., as well as many private banking industries that value this business. Among the private banks that everyone is more familiar with are Weilidai and MYBank. These online loan platforms do not have such high requirements for entry, but the interest rates are not as high as private lending, so they can also be a good choice.

3. Online lending platforms owned by well-known brands

If the above banking thresholds are not met, then you can only choose some non-banking online lending platforms. However, there are many pitfalls for pure online loan platforms, so you need to be more cautious when choosing. It is better to choose an online loan platform under a well-known brand. Relatively speaking, some of the more well-known brands in this area are Jiebei (owned by Ant Group), Duxiaoman (owned by Baidu) and JD Gold Bar (owned by JD.com). Although these are not banking financial institutions, after all, the group brands they belong to are very good, so they are also relatively reliable brands.

Summary

There are many online loan platforms, but the platform you choose depends on your credit rating. Online loans that can be applied for based on creditworthiness can be chosen from the five major banks, joint-stock banks, city commercial banks, private banks, and small loan platforms under well-known brands.

4. Recommend several better mobile loan software, which mobile loan software is the fastest

It is recommended that you choose bank channels for personal loans.

To apply for less than 50,000 yuan, you can first log in to China Merchants Bank’s mobile banking, click "My" - "All" - "Loan" - "I want to borrow money" to try to apply through this interface; or Apply for a loan through a credit card: Log in to Mobile Life, click "Card. Finance" - "Fund" - "Apply Now" below to try to apply for a reserve fund. The specific results will be subject to review.