[review] private capital adequacy and the banking system to foster private lending boom, individual net loan as a new thing, is not currently known, platform risk control and regulatory gaps, make P2P net loan platform in the future there are many variables.
Tencent technology Zong Xiuqian November 12th Roundup
Sequoia Capital recently pat loan investment $25 million, indicating that the personal net loan market is rapidly becoming another target of venture capital investment. As early as last year, KPCB also teamed up with IDG and Morgan Stanley to another company, the letter should inject tens of millions of dollars.
net loan is also known as P2P (Peer to Peer) network lending, is using the Internet platform, who need money to borrow in the above information release platform, lenders use network platform, will own funds paid to need funds, both sides benefit. P2P network lending transactions to achieve, is a personal and individual transactions between the website or platform to provide only a platform for bilateral transactions, in itself is not involved in lending.
private capital adequacy and the banking system to foster private lending boom, individual net loan as a new thing, is not currently known, platform risk control and regulatory gaps, make P2P net loan platform in the future there are many variables.
of this new financial business model, whether it is for the rapid development of a healthy industry, or become speculators paradise fish in troubled waters remains to be seen?.
why do personal net loan?
compared to private loans, personal net loan advantage is obvious.
1, small unsecured loans, the borrower is generally covered by low-income groups, the existing banking system covering less than. Low threshold, low cost peer-to-peer lending financial channel mode so that everyone can become disseminators and users of credit, credit transactions can be very convenient for the social idle funds to better configure the high income groups will spare funds reasonably to many good credit and need help low-income people.
2, with the aid of the Internet network, social power, emphasizing everyone to participate in, reducing the cost and risk of review, transparent than private lending. The lender and the borrower signed directly between the personal loan contract, a mutual understanding of each other’s identity information, credit information, the lender promptly informed the borrower’s repayment schedule and the improvement of living conditions, the most vivid and intuitive experience to others to create value.
3, the borrower’s loan interest rate set up their own personal network loan website to set the maximum legal interest rate limit, to avoid usury.
4, net loan platform itself does not participate in the loan, the main information matching, tools and services to support some of the features, the borrower is more likely to find capital lenders.