Man: net loan: Loan annual interest rate of 33 � � � � 40 annual return �,

A lot of money demand in the bank loan agreement entered into is very random. In fact, this natural behavior shows their lack of good financial management consciousness - net loan: Loan annual interest rate of 33 � � � � 40 annual return audiences, often when the loan out of interest, to create an artificial "high interest". Because some of the bank loan funding needs will pay an extra interest in the virtually. For example, indwelling deposits loans and interest withholding loan.

The so-called indwelling deposits loans that capital needs to obtain the loan from the bank, the bank requested the Lien from a part of the loan principal deposited into the bank account, to restrict the demand for funds in the principal and interest of the loan can be repaid at maturity. But the funding needs, the principal of the loan was discounted equals to pay interest.

The so-called withholding interest loans, some banks to ensure that the return of loan interest on time, in loans from the lender when the loan principal in the pre docked all loan interest. Because of this way will make money demand less money loans are available, the objective to increase the demand for funds by financing costs.

Net credit barbarian growth survey

Lending annual returns 40 � �! A large number of investors flocked to the network

Net credit, also is through specific network platform for the intermediary, strangers can quickly and easily complete the borrowing and lending and lending money, the highest rate of return can be more than 40 � �. According to our reporter understanding, because the return is very high, a large number of investors poured into the net loan to the business, to put the money through the network platform to lend out, grab some platform investment even need.

After 80 Ma Haipeng work in an IT company, he has been through the net loan investment for two years. he initially for the lending to the stranger's form was very worried, but compared with the annual yield of three year time only 5 � � � deposit, the annual rate of return over 10 � � � high interest to attract him finally made the first time. But after a few attempts, his growing investment.

Investor Ma Haipeng told reporters: first for only 50 dollars, then 200 yuan, 500 yuan, one thousand yuan, ten thousand yuan to twenty thousand yuan, is this a little as I gain the trust, then I this investment will be more and more.

Simply register, lenders can choose different projects in the net credit platform for investment, investment amount and time limit can be set flexibly, but the return rate is generally higher than bank deposit. Many investors said, the current stock market slump, financial products and investment return is low, so the net credit is very attractive.

Net credit investor Ma Haipeng: less than 13 � � I won't vote for. month I will not exceed 12. is generally 6 months to 9 months, 12 months, interest rates in the 13 � � � � � 14 � � � 15.

He Ying: our family net credit investors about a year (income) 200000, generally take a 5, 60000, 100000 (investment net credit).

A few seconds to recover the principal and interest net loan to "send money" gather popularity

In order to attract investors, most of the net credit platform will provide guarantee for investors of the principal, if the borrower defaults
Investors, the creditor's right to the net credit platform, can recover the principal from the net credit platform. In addition to this commitment, net credit platform even launched some sort of "money" project to gather popularity.

Reporter Ma Yi: the current network lending platform on the most common attract investment way is "the second standard". "Seconds" period is usually for one month, standard full immediately after the repayment of principal and interest, for example, the screen of the second. The amount of 800 yuan, I will now full scale inputs required to go in, a few seconds later this account received 800 yuan capital, and 13.2 yuan of interest. As "seconds" repayment, interest and attractive, there have been a number of walk on the net credit platform investment network, they have a new name "seconds guest".

Put borrow less lending must be sharp sighted

With the participation of the net credit investors are getting more and more, Ma Haipeng found that want to lend out money more difficult, because the number of qualified borrowers growth up investor growth. On net credit in some seniority, reputation platform bid, not only need to always pay attention to the site, but once found with their expectations of the project, must be sharp sighted can put money.

Ma Haipeng: if investors conforms to our psychological expectations, only need 1 seconds, I decided to put it, and then open, which requires a second, two seconds, full table, and then the bidding, to the next page, if I want to invest money, and then identified. About a process takes ten seconds. 10 seconds had decided to put their money to lend to a stranger?.

Investigation on Growth - Savage

 

Only with ID cards will be able to borrow 100000 loan annual interest rate of 33 � �

At present, as long as the Internet search "credit" two words, very easy to find a lot of websites, and operators of these sites are both state-owned holding enterprises, also unknown entrepreneurs, so the net credit platform in the end is what kind of organization? Why can develop so fast?

When it comes to net loan business in Dalian, Zhao Lijun has deep feeling. In 2012, Zhao Lijun experienced financial difficulties, but due to the lack of collateral and therefore cannot borrow money from the bank, an accidental opportunity she had access to credit, and ultimately only by herself and her husband's identity from the net credit platform to borrow 100000 yuan.

The borrower Zhao Lijun told reporters: I got my personal intention of 100000 yuan of money to release to the Internet, and then a few days later, the company to give me a phone call, I said this had the loan.

The 18 month loan, loan interest rates of about 33 years � � � which payments to investors, the annual interest rate is 15 � � net credit platform, to the annual interest rate is 18 � �, in addition to a one-time payment equivalent to borrowing 1.3 "� fee and management fee. Despite the interest is not high, but at least can solution as pressing danger. Open the net credit platform has been more than a year of solution rain told reporters, from the net loan is mainly for personal and Small and micro businesses, the loan amount ranging from thousands to hundreds of thousands, they usually because of a lack of collateral and cannot get a loan from a bank. Because of huge demand, so the net loan to the momentum of development is very rapid.

A net credit platform for Jie Chunyu: I think first of all is a market has very good demand, another benefit is slightly higher, and another from the loan application process and efficiency, Internet effect and experience is the best.

The huge net credit platform on year increase 10 times market demand

In addition to the net credit platform individual run, such as Ping An group of state-owned holding enterprises also involved. According to incomplete statistics, in 2012, the number of domestic net credit platform from more than 30 growth in the first of more than 300, an increase of nearly 10 times the amount of money in circulation at the same time, there is a synchronous increase. Preliminary statistics on 8 operating for more than a year, and the high visibility of the platform of the reporter, from 2012 January to 2013 February, 8 sites the number of investment increased by 320 � �, the amount of investment from 159000000 growth to 1293000000, jumped 8 times.

Shenyang Languang Group Chairman Chen Min told reporters: first, risk dispersing away, because capital amount is relatively small, a set of public benefits; two, the audience is large, unlike pawnshops, small loan companies, Guarantee Corporation, its source of funds raised a bit difficult, but people a kind of financial model.

Net credit barbarian growth survey

 

Buy the software will do the net credit platform procedures are simple and lack of supervision

One is civil idle funds can not find a place to go, the other side is those not from financial institutions loans to individuals and Small and micro businesses, appeared the net credit platform for both seem to build a convenient channel. But reporter survey found, because a lot of net credit platform is not the formal financial institutions, so how to ensure the safety of investors funds, has become a very serious problem.

Although the net credit platform occurred more than 6 years in China, but it is in the basic regulatory gaps, anyone want to start the net credit platform, only need to spend money to buy a set of software, and then to the commerce and Industry Bureau and the network management department registration, and only half a month will be opened for business.

Investor Hou Bin told reporters: now the network platform in a troubled times, what is gone, anyone can open platform, spend tens of thousands to buy a set of software can make the platform.

It is difficult to grasp the borrower information operation risk big

Because the website itself reputation cannot be identified, 2012 saw gold credit, UE - site for fled with money events. They pretended to be a net credit platform, a strong group under the virtual some borrowers for gospel truth, from many investors who had cheated millions of yuan - net loan: Loan annual interest rate of 33 � � � � 40 annual return �.

The victim told reporters: the customer service is very attentive, say we play in the past, such as the value of what, a few minutes will give you charge well, you can go to the bid, is the illusion of confusion. When you put money in this site, .

If not to fraud for the purpose of fraud site, even if the net credit platform standard, according to the current practice at present, investors should also put money into the net credit platform account, the net credit platform completed loan interest, the follow-up work, so that the investment risk is still high.

Investor Hou Bin: We wired next recharge, call directly to platform account to go inside, second online recharge, recharge line through the third party payment platform, call directly to each other's financial account to go inside, we are not guaranteed, because as long as the left our bank card money, the other is beyond our.

Because of the current credit system is not perfect, the net credit platform are difficult to verify the borrower's financial condition and the funds to invest, so the risk of borrower default is also high.

A net credit platform for solutions of rain told reporters: we need artificial audit to examine his family, inspects his unit, again a need to call for a cross examination and verification, the material to determine the customers. Customers too much debt that cannot judge. If the client says borrowed a lot of money and credit, we can not determine his true borrowing conditions.

In fact, malicious borrowers are not uncommon in the net credit platform. According to some website fails the repayment blacklist rough calculation, some net credit platform of bad debts has reached tens of millions. Although the network platform for the principal promised, but if cannot pay their debts, I'm afraid this promise will only become an empty phrase.

Dachen lawyer Cheng Fangxing said: May to a certain degree, he (the net credit platform) nor the ability to carry out related compensation, no site supervision, investors and accept the investment side and there is no way of evidence and have more contact, could lead to more investors couldn't make himself to repay principal and interest.

Net credit barbarian growth survey

 

Practice content and registration does not conform to net credit in the grey areas

Although the net credit platform has become increasingly active, but the law and regulations of our country have no clearly defined, so the actual net credit platform still in a disorderly barbarian growth state, some businesses and even has touched the legal red line.

In the net credit platform, there are many advertised in the "financial management" for the purpose of the project, on entering the investment amount, the locking time limit, and we usually see in the bank financial products is very similar, but these projects without like banks by CBRC approval or filing.

Dongbei University of Finance and Economics professor Fan Lifu Institute of Finance said: if the net credit company became such a (financial) institutions, it is through a network to get in the way of a disguised form of financial license.

Dear Lanke belongs to usury not protected by law

But reporters access to the industry and commerce registration information net credit platform, found business registration for information consulting, e-commerce and asset management, but few financial intermediary content. According to the judicial interpretation: absorption of funds not specific to the individual subject, the absorption amount to 200000, or absorbed by the number 30, or losses one hundred thousand; unit absorption amount reaches 1000000, or be absorbed to reach 150 people, or five hundred thousand of the loss, suspected illegal financing, will be prosecuted for criminal.

Each of the net credit platform financing projects are almost always face no specific investors, and frequently will absorb tens or even hundreds of human capital. Therefore, according to existing law, many projects net credit platform has apparently been suspected of illegal fund-raising. The net credit platform in fact play the role of funds.

Dachen lawyer into Fangxing said: this part of the costs

If not, direct investment to accept investment that party, is the site for liquidity to use, include it with this part to do the operation, I think as long as I just said, I think that conform to the crime of illegal absorbing public deposits.

In addition, the net credit platform out of the high interest returns also has a lot of legal risk. A net credit platform on January annual interest rate of 23, the � �, and each month also reward 3.5 � � proceeds, the combined annual yield of up to 65 � �. Have far more than four times the first half of the following provisions of the central bank's benchmark interest rate loans, already belongs to usury.

Dachen lawyer Cheng Fangxing said: the principal to pay out, finally got an interest, but this interest more than national standards, it is usury. In the current court usury excess, not protected by the law.

Specification for net credit to sound system

On the one hand the existence of social demand, on the one hand the net credit platform used in illegal fund-raising and loan sharking embarrassment, this expert advice to the objective understanding of the net credit platform role, followed by laws and regulations to establish as soon as possible.

Dongbei University of Finance and Economics professor Fan Lifu Institute of Finance said: we first admit that net credit may be a big trend - net loan: Loan annual interest rate of 33 � � � � 40 annual return audiences, it can solve the Small and micro businesses demand, the surplus of money funds for the effective use of , it is a great progress, big.

Wang Yan professor of Dongbei University of Finance and Economics Law School: one from the macro national legislation should be strictly speaking, of platform implementation of the access it quite high, the conditions, such as money, power, place, property of material and so on, conditions should be very strict. There is a regulation, as the national level and as a platform level should implement supervision.

The working capital loan is characteristic of enterprise product production cycle is long, the reserves of raw materials, the flow of funds slow based on product sales progress, to determine the loan period and the amount of the loan form. Project loan is a large-scale construction project risk, high cost as the object of the loan, which is characterized by large amount, high risk, interest rate is high, the rationality and feasibility of project as the decision whether or not on the basis of loans, loan debt recourse against the project, rather than to the companies and enterprises. For large projects, usually by a number of banks, loans to bank syndicate or syndicated form, to spread the risks.

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