I haven't heard much about this lending institution. I think as long as it is a regular lending company, the interest rate is within the scope permitted by law, and it is basically legal. It is best to find a company with a big brand and a good reputation. For example, Zhongan, a company I have heard a lot about, can try it.

What platforms are there in peer-to-peer lending?

First, the first category is the P2P of the banking department, that is, the P2P platform controlled by the bank. With the bank's credit and the source of assets, the risk is extremely low.

Representative platforms: Minsheng Easy Loan, Xin Kai Loan, E-Finance E-Loan, Xiao Su Bangke, etc.

Minsheng Dai Yi

Minsheng Easy Loan is a complementary P2P institution based on people's livelihood e-commerce resources and positioned in banking business. The old man behind is Minsheng Bank, which is a real P2P platform. As a banking department, the risk control of Minsheng Easy Loan is very strict. The platform investment operation is very simple, the interface is very refreshing, and it is very friendly to novices. The annualized interest rate of most products of Minsheng Easy Loan is around 6%, and the annualized interest rate of novice experience target has reached 12%. Newcomers who have just started to invest in P2P can start with this novice logo.

Kaixin loan

Established by the wholly-owned subsidiary of China Development Bank-China Development Bank Finance Co., Ltd. and large state-owned enterprises in Jiangsu Province, it has the background of "state-owned banks" in the industry. Maybe many investors don't know much about CDB. Let me briefly introduce it here. CDB, established in 1994, is a policy financial institution directly under the State Council, China, with a registered capital of 4.2124.8 billion yuan, of which the Ministry of Finance accounts for more than one third of the shares. Do you think it's reliable? Regardless of the financial manager, let's talk about the platform itself. Xin Kaijinfu is rich in business resources, and all small loan companies in the province are networked, which is unmatched by ordinary P2P enterprises, and Xin Kaijinfu's talents are also from the original team of banks. Overall, the platform risk control is still very stable. Sinkaijinfu's products with relatively high interest rates are: Su Credit, Baoxinhui, Kaixinbao and Commercial Ticket Loan. At present, Sinkaijinfu has a novice experience standard, with an annual interest rate of 10%, and the risk is basically the same as that of a trust.

Second, the second category is the P2P platforms under the big groups, namely, the P2P platforms under the giants such as Sina, Ping An and Sunshine Insurance, which are well funded, standardized in operation and close to trust.

Representative platforms: Micro Wealth, Jin Lu Service, Huijin Institute, etc.

Lufax

All the Golden Deer Ping An Group recognized that he was the own son trained by Ping An Group. It also has close business contacts with Ping An Bank, which has always been the benchmark in P2P. Lufax's current valuation has exceeded 1000 billion, which is said to be faster than Ping An Group, and may be listed in the last two years. Lufax's management team is luxurious, and they are all senior talents from top enterprises. It is estimated that the salary of each executive is more than several million. Lufax's business and risk control have always been excellent in the industry. The products are guaranteed by Ping An guarantee companies and insurance companies, and the risk is much lower. For all products in Jin Lu, such as odd jobs, Xianghui Plan, Wealth Benefit, Steady Profit-An E, etc. Steady profit-An E's income is higher, 8.4% in 36 months. At present, the bid is not as much as before, so we should grab it every once in a while.

Micro wealth

Michel platini behind micro-wealth is Sina (Sina Weibo is its home), which is rooted in Hong Miao. The overall strength of shareholders is relatively strong, with performance insurance and repurchase of their own branches, and the risk is not high. Of course, we should also mention the "black history" of micro-wealth. 14 years, because the financial team was established and immature, we didn't take the "financial risk" seriously at first, and we sold it to a liar P2P platform. Finally, the swindler ran away, leaving 50 million bad debts to Sina Fortune, which shocked the Internet community. Finally, my father, Sina, made up the 50 million hole. After this incident, Sina Micro Wealth has become more self-disciplined. Now basically only sell low-risk products recognized by the market, or their own products are similar to Ali's lucky treasure. Insurance companies provide performance insurance, the risk is similar to Ali's lucky treasure, but the income is much higher than Ali's lucky treasure, and it is still a relatively affordable product. At present, the highest revenue is 8.2%, which is ahead of P2P products from Ali, Baidu and JD.COM, and the cost performance is very good.

Third, the third category is the P2P platform that has been listed on its own. The financial reports of such platforms are completely open, and the risks are transparent and very controllable.

Representative platforms: pleasant loans, trusts and wealth.

Yirendai

Yirendai was founded on 20 12, and now many P2P platforms are still promoting which listed platform they are subsidiaries of. Pleasant Loan has been listed in the United States, which is the first Internet finance share in China, NYSE, creating a precedent for P2P in China. Of course, I also want to mention Yixin, the father behind Yixin. CreditEase is one of the few financial enterprises in China that score users' credit evaluation. CreditEase's executives are all from CreditEase, and they inherited their father's genes. In addition, CreditEase specializes in micro-loans, so the risk control is no problem and the income is very good. The target income in June 5438+February is about 7.5%, which is a 24-month target.

Get rich by faith

On April 28th, 20 17, Xinfu (stock exchange code "XRF") was officially listed in the United States. According to the opening price and the total share capital, the market value of Xinerfu reached 420 million US dollars. As a company with offline financial management as its main business, it was actually established as early as 2005, even earlier than CreditEase. Later, with the rapid development of the Internet, CreditEase turned its financing to the Internet platform. The major shareholder of Xinfufu is DLB Capital, a well-known American investment institution, and the core team of the company is also very reliable. Wang Zhengyu, the founder, is a leading expert in the field of credit reporting in China, and Zhang Huaqiao, the non-executive director, is the chief researcher of UBS Group AG in China. UBS Group AG Group AG is a world-class top investment bank and a well-known Goldman Sachs. It can be seen that the financial level of this team is very awesome. The business of New Er Fu is mainly consumer loans (cash loans, short-term micro-loans) and life loans (medium and long-term micro-loans). Of all the loans issued in 20 16, 89% are high-quality and close to high-quality borrowers, and the bad debt rate is not high, with an annualized rate of return of 6% in three months and 8% in six months 12 months.

Fourth, the fourth category is a platform that has formed a leading position in the industry and has its own core competitiveness. The capital and assets of P2P industry are concentrated in it, and the risk is relatively low.

On behalf of the platform: auction loan, renren loan.

Pat tape

As the first P2P platform in China, it is advertised as "unsecured" and "pure online platform", which is completely opposite to the platform model. Let me talk about it first. As the seed player selected by top venture capital Sequoia Capital, Paipai Loan has a good executive background and business prospects. The core of the senior management team is Shanghai Jiaotong University and Microsoft Global Technology Center, which are in the upper and middle level in the P2P industry. The platform has a guarantee fund of RMB 520,000/kloc-0,000/20,000, and some assets are unsecured, so the actual bottom pressure is relatively small. In addition, the business is small and scattered, and the risk control technology has accumulated for 65,438+00 years, and the bad debt rate has gradually decreased. It is rumored that listing in the United States is unlikely to run away ... There are many wealth management products, and taking a loan is a cost-effective choice, 18 months. Of course, investors need to pay attention to "no loss, no loss, no loss, no loss" (the important thing is said three times), and newcomers are not recommended to vote for this.

Finally, make a summary of the banking department, subsidiaries of large groups, listing platforms and industry leading platforms. Please refer to the table below for income.

Fifth, the fifth category is some cost-effective platforms, mainly P2P platforms wholly owned or controlled by listed companies. The financial data of these platforms are included in the statements of listed companies, so these P2P platforms are relatively conservative and standardized.

Representative platforms: E Finance Institute, Ding Youcai, Huitou 51, Tenbon Venture Capital, Yinhu.com and Yi Shan Loan.

Goose velvet house:

E Finance College was officially launched on February 30th, 20 15. Although the platform was launched late, it was well prepared. In addition to the senior management team, there are three listed companies, 1 securities company and 1 fund company as shareholders.

Let's take a look at the background of listed companies: Fangda Group (000055), with a total market value of 10747 billion and total assets of 6.07 billion, was the first company listed on Nasdaq in Shenzhen (in 2006); The total assets are 3.2 billion, the total market value of shareholder Ou Feiguang (002456) is 4,065,438+92 million, and the total assets are 21600 million.

Let's take a look at the background of executives, basically from bank executives. Members' academic qualifications and financial experience, in a word, are old rivers and lakes. In addition, the main business of e-finance is low-risk business such as car loans, bills (commercial bills) and foreclosures, and the risks are controllable.

Generally speaking, bank executives are powerful shareholders, with more money and less risk. The comprehensive interest rate of the platform is about 10%, with good cost performance.

Sixth, the sixth category is a "small but beautiful" high-yield platform, which deeply cultivates a certain region or an industry, and the risks are relatively controllable in a certain period of time.

High-yield platforms are mixed. The platform that is really worth investing is to do business that you are familiar with, reduce operating costs, give investors higher returns, and be "small and beautiful" as a whole. Usually, the revenue of such platforms is around 13%-20%, which is very attractive. However, investing in this kind of platform requires investors to have strong professional ability and information acquisition ability, and to have a deep understanding of the business of the platform. For example, an old friend of mine has rich experience in borrowing money. Before investing in a platform, he followed the salesman of the platform for a month and secretly observed the risk control data, overdue data and bank flow of the platform. Finally decided to invest. This kind of platform is cost-effective for expert investment and is not recommended for novices.

There are many online lending platforms, but many of them are from scammers. Their agreements sometimes hide things that are extremely unfavorable to you, and often the interest on online loans is higher, so online loans cannot be used as life-saving money. If necessary, you can go to a regular bank for a loan, which is more reliable and less risky. Online lending is risky and investment needs to be cautious!

Yiduo cannot withdraw more cash. Are you a liar?

Dottie is a liar, and someone is responsible. You can complain to the regulatory authorities, which will handle it. Tototi is a shopping platform under Guangdong Hebang Network Technology Co., Ltd., which was established on March 2006 at 2065438+2 1. The legal representative is Cheng Tao, and its business scope is software development. Information system integration service. Information technology consulting service. Data processing and storage services. Information electronic technology service. Advertising. Enterprise management consulting service. Corporate image planning service. Cultural and artistic consulting services. Investment consulting service. Marketing planning services, etc.

Is Yiduo Loan Reliable?

Is Yiduo Loan Reliable?

In view of your problem, you should borrow more unreliable loans, with high interest rates and many restrictions on loan conditions.