How to distinguish online loans, small loans and online small loans?

Network small loan: Small loan companies mainly obtain borrowers through the network platform, comprehensively use the behavior data such as customer operation, online consumption, online transaction and real-time scene information accumulated on the network platform, analyze and evaluate the credit risk of borrowers, determine the credit granting method and quota, and complete the whole process of small loan business online, such as loan application, risk review, loan approval, loan issuance and loan recovery. —— Excerpted from "Special Supervision Guidelines for Internet Microfinance Business of Microfinance Companies (Trial)" issued by Shanghai Financial Office in February 20 16.

Microfinance companies: namely, microfinance companies refer to limited liability companies or joint stock limited companies established by natural persons, enterprise legal persons and other social organizations that do not absorb public deposits and operate microfinance business. —— Excerpted from the Guiding Opinions on the Pilot Project of Small Loan Companies issued by the CBRC in 2008.

Peer-to-peer lending Platform: namely peer-to-peer lending information intermediary, refers to a financial information intermediary company established according to law and specializing in information intermediary business in peer-to-peer lending. Such institutions take the Internet as the main channel to provide information collection, information release, credit evaluation, information exchange, loan matching and other services for borrowers and lenders, so as to realize direct lending. —— Excerpted from the Interim Measures for the Administration of Peer-to-Peer Lending Activities of Information Intermediaries issued by CBRC in August 2065438+2006.

As can be seen from official website's definition, online small loan is a kind of small loan company and a lending institution. Both companies are licensed and supervised by the local financial office, but there are restrictions on the business area, which is called "brother" relationship here.

The positioning of online lending platform is information intermediary, and it has no qualification for lending, which is different from online small loans at the genetic level. However, both the loan products of online lending platform and the products of online small loans belong to the category of peer-to-peer lending, and the distance is not far, so it is called "neighbor" relationship here.