Meituan borrowing money is an online loan. There are three operating models for online loans, namely P2P model, debt transfer model, and P2B model. Meituan Borrowing

1. Online loans operated under the P2B model. The funds borrowed by Meituan are provided by small loan companies, commercial banks and other institutions. If there is a need for funds, you can borrow money from Meituan.

2. Lending institutions for borrowing money from Meituan: Chongqing Meituan Sankuai Small Loan Co., Ltd., Jiangsu Kunshan Rural Commercial Bank Co., Ltd., Jilin Yilian Bank Co., Ltd., and Liuzhou Bank Co., Ltd. , Wuhai Bank Co., Ltd., Bank of Tianjin Co., Ltd., Jincheng Bank, Huzhou Bank. The risk of online loans operated in the P2B model is lower than that of online loans operated in the P2P model. This is because the online loans operated in the P2B model cooperate with formal financial institutions, have a relatively high level of risk control, relatively low bad debts and bad debts, and the interest rate is formulated within the scope of legal provisions.

3. The definition standard of usury is that the annual interest rate of the loan does not exceed 4 times the interest rate of the People's Bank of China for the same period. For online loans operated in the P2B model, the annual interest rate of the loan is within this range. The Supreme People's Court stipulates that loans with an annual interest rate exceeding 36% will not be supported. For online loans operated in the P2P model, the annual interest rate of loans is generally between 24% and 36%. However, the China Internet Finance Association is gradually rectifying online loans operated in the P2P model

4. Meituan borrowing money is an online loan, but it is licensed and the specifications of related products comply with relevant regulations, so everyone You can use it with confidence. At the same time, some people recently said that the interest rate on Meituan loans is too high. When we judge whether a loan product is compliant, we mainly look at its loan interest rate. Relevant laws stipulate that the annual interest rate of private loans shall not exceed 24%. If it exceeds the corresponding It will not be protected; as a compliant institution, the corresponding loan interest rate of Meituan Lending will not exceed 24%, but why do some people still say that its interest rate is high? The main reason is comparison: we all know that bank loan interest rates are very low, almost 5%, while the loan interest rates of compliant online loan platforms do not exceed 24%, but the interest rates are still very high in comparison.