What processes and principles can be used to reduce risk in Peer-to-peer network lending?

In the pleasant loan successful taste of my answer to the pleasant loan of the approval line:

First of all, the background, I am in the pleasant loan and everyone credit separately issued two loans, but the requirements of all the materials more detailed and more cumbersome! Back to two credit companies to make a comparison!

I borrowed 20,000 yuan on a pleasant loan, a loan I started in the afternoon of Thursday, and then I began to call my wife in the morning of Friday to find out about the situation, such as asking if I knew what your husband was borrowing or what he was borrowing. Because my wife does not know is not a liar company so hang up the phone and call me to confirm the truth. Then customer service then called me, asked me some basic information, and talked about the fact that my wife had been denied the call, and I explained to customer service that I had told my wife about the loan and asked her to speak to you. It's a paragraph here.

One, add customer service QQ, then customer service let me find a computer with a camera, take out the ID card confirmed himself and the appearance of ID card is not so cock silk;

Second, the introduction of the letter system, and then QQ remote view of personal credit system situation, pulled from scratch to the end;

The situation of consulting company. I am a government staff (perhaps this is an advantage, in fact, pleasant loan requirements of the last 6 months after the salary of more than 4K, my October salary only to break through 4K, the original is 3k7 that), and then ask the number of people ah and so on.

Four, open the pay net silver, browse every one months of transaction details. I am the bank of China, net Bank can only browse the details of the last 3 months, and then have to adjust the time to output. Throughout the browsing process, customer service will be detailed to check the monthly salary, if the question of local customer service will be proposed. For example, my salary, the bank sometimes shows the wages of the hair, and sometimes show the generation, sometimes show the payment of financial wages and so on. Then the customer service will say how does not show is the salary, I said this may be the bank own subject setting! Then the customer saw that my expenses were very dense and asked me about my expenses. I said I basically use this card in Taobao shopping, buy funds ah what. Then the customer asked to buy funds now, I said that the previous sale is now to buy another company's funds. To the Internet to browse the silver is the premise of remote QQ.

V. Borrowing purposes. Above the QQ remote is over! Customer service asked me the purpose of borrowing, I said, and others to grow cash crops, but there are still 20,000 yuan gap, so only to borrow money. Customer service asked about the current crop situation, I said now in the initial investment, mainly to pay for the purchase of seedling and workers daily wages, has not yet formed. Customer service also did not continue to cross-examine.

Then the specific customer service to ask these hang up the phone! And then to 6 o'clock in the afternoon that received text said the audit passed! I was also very surprised at the speed. Lasted a day and a half less! And then there's the fundraiser, about three or four days. and are in one day, the front two or three days no movement, the third or fourth day within a day of 20,000 yuan to raise a good (specific process estimates and other peer-to-peer companies like the same focus on a day to release the plan to raise the unified fund-raising bar, this is for expert advice), and then 2 hours to bank accounts. From borrowing to getting money less than 5 days!

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1. From the perspective of identity, the registered account for everyone's credit can be either an investor or a borrower, and a pleasant loan can only be chosen by the borrower and the investor, and it is considered to be a hedge against arbitrage risks, such as the successful fundraising from everyone and then the purchase of other loans on everyone's credit. Apart from this, I could not think of a dull other place, to correct;

2, from the application materials, pleasant loan is very simple, only need the positive and negative aspects of the ID card, as well as screenshot of the bank's revenue records and credit report; But everyone credit in addition to the above 3, but also have to take a photo of identity card (this step is pleasant credit in the telephone audit as I said before, no longer repeat), work certification ( Must have the financial chapter or the unit chapter, I originally provided is the unit's proof chapter, but the audit does not pass, perhaps the unit chapter has the legal person effect to wow? Do not understand, ask for advice) or work permit, any one of the labor contract. On the other hand, pleasant loan in the revenue proof screenshot, I was just the revenue part of the current page screenshot, not all the chronological (mom Ah, 6 months chronological hundreds of pages of the still not exhausted people), but everyone loans there will not pass. So the procedures for everyone to borrow more cumbersome, of course, to reduce the risk of it, personally think.

Note: Just on everyone lent a look, only need to provide the last 3 months of chronological on the OK.

3, income requirements: pleasant loan is after tax 4 K, everyone loan is 3K. I do not know whether the mandatory requirements, at least I 3k7 in the pleasant loan has been lent to the money.

4. Approval efficiency. Obviously, I prefer the efficiency of pleasant loans, everyone loan although the message to inform the customer that you stream or audit does not pass, but the time seems to be two days later I remember, all loans are initially on the web side to inform the customer whether to pass and need to supplement the material (this step is very fast), but the next step is not to follow up. Personal judgment for everyone credit is in the customer to provide materials for the first instance, if the material does not meet the requirements of the skip, will not carry out the next step of the phone follow-up and requirements of materials such as the text of the notice.

On the other hand, from the whole point of view, may be the wind control for everyone more stringent, but for peer-to-peer this requirement of high aging, rapid lending, to minimize customer time to consider, I will be more like a pleasant loan. There is absolutely no personal feelings, the borrower is efficient, not to say that your wind control is good to choose you, that is the creditor investors, is the company's business, specifically how to balance efficiency and wind control between the company.

Above the wrong place welcome to correct, don't drool.

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Temporarily think of these, pleasant loans on the website do not go, another day to browse the two company Web page to find the difference, later added it.

The above is limited to personal loans, if it is corporate loans and the like is not clear.