Slot Network borrowing You don't know the "standard"

Wen/second AH tired

Peer-to-peer Internet lending is now a popular industry in the spotlight, whether positive or negative, but it's very hot. For its fire, however, many users are half-known or ignorant.

In fact, Peer-to-peer network loan is because of his high annual yield, according to the author now learned that some websites open annual yield of up to 25%, is directly beyond the http://www.aliyun.com/zixun/aggregation/30578.html " > The interest rate is four times times that stipulated by laws and regulations. In other words, the balance treasure (3%--4% annual yield), the Fund (1,234,567%) in front of it is not enough to look at. Now that the yield is so high, someone will ask, how is it presented? Yo yo, the checkers make, this is the author today to spit the protagonist "standard", as well as its risk.

Credit borrowing standard

The first thing to say is the credit, it is a mortgage-free, security-free, pure credit of the way. Mainly for civil servants, doctors, teachers and other institutions of enterprises and institutions of the staff, as well as SME contractors, self-employed, white-collar workers, such as fixed occupation and fixed income personnel. If the borrower is due to the difficulties of repayment, the 30th day after the investor's principal by the loan platform (hereinafter referred to as "platform") the risk of compensation, the transfer of the rights of the Platform.

If the credit loan is not compensated before the principal (that is, before the platform advance bidder principal) borrower repayment, principal and interest will be in accordance with the normal standard repayment, and the other overdue penalty, bidders and platform split penalty.

If the borrower's repayment of the principal compensation, the principal and interest in accordance with the normal standard repayment, and the other overdue daily penalty, the principal interests and penalties for the platform to receive all.

Slot: Peer-to-peer network loan Platform belongs to the private organizations, can only rely on the user to provide bank credit audit, wage flow proof and other evidence, but so the user's process and cost increased, so that very few users to prepare information, and submit. To this end, until now the major platforms have no sound credit audit mechanism, entirely by their own establishment, and their letter audit staff rely on work experience to carry out the audit. Just imagine, the project that is audited by the work experience to have more insurance? --for the credit standard, the general Peer-to-peer Network loan platform to all bear the repayment pressure, once there are several or even more users will not, then Peer-to-peer Network loan platform is bound to be a financial disaster, and finally caused operational difficulties, or even bad results, run, Collapse (note: As of today's closed peer-to-peer companies, there is such a situation.) ）。

It is so, once hit credit loan mark finally let Peer-to-peer network loan platform is afraid, even now gradually disappear, dare not send the mark again.

Pledge Loan Standard

The pledge loan target, is the platform passes through the line under the strict verification borrower's assets and liabilities, and handles the mortgage guarantee procedure (not only limits, guarantees the risk control within the reasonable scope, the platform gives the user the credit way one way). The target borrower of pledge loan is generally high quality medium and small micro enterprise and self-employed, it is the individual to personal loan platform key development object. Part of the platform for the pledge of loans to provide principal and interest in full advance protection. The more standardized lending platform will entrust the cooperation of third-party agencies (such as: car dealers, microfinance companies, etc.) to the borrower to carry out strict audit, handling assets, collateral and other formalities. (part of the platform referred to as "force borrowing standard")

Spit slot: Seemingly this marked with a pledge high insurance low risk, in fact, it is the largest risk, it is easy to appear false information, fraud, according to the author understand, at present for the mark has happened to the fairy jump, bored donkey, dog dozen sticks, the last instant to a medium-sized or even large peer-to-peer network loans forced to collapse, collapse- The net is due to the pledge of a few more than 3 million of the loan, the final document by the borrower drilling, unable to pay a lot of money, resulting in deadlock, and finally announced the closure, even those creditors are not able to repay the debt.

Net worth borrowing standard

The net worth loan is the credit method which is pledged by the user's assets owned by the platform. The assets are mainly those held on the platform (some platforms support the user to buy the platform equity and serve as the collateral for the Net worth loan). The maximum amount allowed to be issued for the net worth loan is the net assets of the publisher (a certain beginning requirement for net assets). can be recycled. But users will be limited. If the customer's net worth is greater than the loan amount, the platform will allow the user to publish the net worth loan mark for temporary turnover.

Slot: The label is a relatively high safety factor (in fact, in the platform controlled by the equity and bonds as collateral), so the interest rate may be relatively low, suitable for the cash cattle, and users can use this standard to enlarge their investment lever.

Although it has a full advantage, but also to control the base and risk, once there are ulterior motives of the user participation, then there will be speculation, money money fraud.

Secured borrowing standard

The guarantee borrowing standard is the platform according to the borrower scan uploads the information to carry on the audit, the guarantor is guaranteed by the net assets of its platform account, according to the borrower's credit status, the guarantor and the borrower negotiate and sign the mortgage guarantee formalities, to ensure that the risk is controlled within a reasonable range, the platform gives the borrower a way to grant the letter. If the borrower is overdue due to repayment, by the guarantor advance the principal and interest repayment, the creditor's rights transfer for guarantor all. Guarantor's guarantee behavior may be paid behavior, is the user in the loan platform besides obtains the interest income the other kind of income way, but if the loan forms the bad debts, the guarantor's principal may suffer the loss to advance the guarantee. In order to control the risk of collateral, the loan platform should not only be in the amount control, but also should be strict in the qualification examination of the guarantor.

Spit: In normal circumstances they are good, but in irregular circumstances, the guarantor and guarantee company is actually the black black. According to my understanding, there has been a number of the market has been known as cattle, black cattle guarantor and guarantee company, in the borrower cannot borrow money when suddenly appear in front of you, in a cheap way for you to guarantee, and then let you give each other to provide some information or collateral. When the sky is an angel, when you do not repay, they will immediately become the erotic messenger, let you really have a usury to kill the movie plot.

If you want to buy the label, please check the security agreement, find the appropriate guarantor, do not light black.

Second Sign

Second Mark also called Second loan label, can be understood as a user in the platform owned cash as collateral credit way. Release seconds also marked, interest and management fees will be frozen, after the tender, the system automatically audited through, the sender instantly send out one months of interest and management fees, investors will recover the principal and interest. Second mark is a kind of entertainment to celebrate the delivery of money, generally by the platform owner issued for the promotion of the platform.

Spit Groove: High yield high risk, the second mark is obviously no gain, only high risk. Some Peer-to-peer network lending platforms release ' second bid ' to lure investors, using new investors ' money to pay interest and short-term returns to old investors, creating the illusion of making money, and then defrauding more investment. In fact, this is a Ponzi scheme.

Brother Fool, do you know?

Sky Standard

Superscript is not a separate standard, the standard is the website of the credit mark, the guarantee, the pledge, the net worth of the mark in accordance with the number of days after the hair label.

Cost of the day:

Management fee of credit, Guaranty and pledge: 0.6% Principal and 30 days x hair Mark Days

Net worth of the management fee: 0.1% Principal and 30 days X issued the number of days

The interest rate setting of the sky Standard:

The interest rate set for the sky standard is the same as the monthly standard, which is set as the annual interest rate. (such as the release of 3-day annual interest rate of 12% days, repayment can be obtained interest 12%÷12÷30x3x principal)

The settlement time of the day's mark:

The repayment time is the day after the full standard audit, the day after the first day, due on the day of repayment.

Automatic bid setting for the sky Standard:

The automatic bidding function can also be set for the sky standard.

Spit Groove: This mark does not vomit, meets hides, does not even look. You don't even know how to die.

Summary: In addition to the author of the above several of the standard, the current Peer-to-peer network loans on the scale is "flowers contend", such as real estate standards, tax standards, such as the various attractions. However, the flower again good-looking also don't gather too close, after all, the florist is to use this to get, fraud, illegal raise, it is easy to get money, pat buttocks on the donation run. Finally, you were poisoned to death.