Guangmu Asset Management is a network micro-loan with high interest and unreliable security. If you need money, you can apply for loans from some reputable loan companies and formal platforms. The lending speed of Guangmu Asset Management is still relatively fast and the threshold is low, but it is precisely because of this that Guangmu Asset Management may face very violent means of collection once it is overdue.

First, the nature of peer-to-peer lending

Online lending is also becoming a trend. With the advantage of the Internet, all the steps of loan application can be completed without leaving home, including understanding the application conditions of various loans, preparing application materials and submitting loan applications, which can be completed efficiently on the Internet. On 2017165438+10/2 1 day, the office of the leading group for special work on internet financial risks issued the notice on immediately suspending the examination and approval of online small loan companies, and decided that the supervision departments of small loan companies at all levels should not approve new online (internet) small loan companies, and prohibit the new batch of small loan companies from crossing provinces.

Second, there are risks.

The virtual nature of online transactions leads to the inability to authenticate the credit status of borrowers and borrowers, which is prone to fraud and outstanding debt default disputes. A large number of lender information published on the Internet platform, many of which are in the name of "loan companies" and "financing companies". In fact, financial institutions must be approved by the state to engage in financial services such as credit financing. Those who engage in financial activities without authorization are often punished for "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management.

The financing difficulty of small and medium-sized enterprises is a well-known problem, especially in the case of tight bank credit, the financing road is even more difficult. In this environment, some lawless elements, in the name of "online loan", take advantage of the psychological characteristics of small and medium-sized business owners, such as being eager for money, relaxing their vigilance and even being hungry for food, and falsely claim that "no mortgage or guarantee is needed". And carefully arranged for them to lead the king into the urn, causing huge losses to small and medium-sized enterprises.