Investing through online lending requires great caution, because investment itself is risky, and borrowing will increase leverage and amplify potential losses. If you do have capital needs or a reasonable investment plan, you can choose a lending platform from the following dimensions, but be sure to evaluate your own repayment ability to avoid falling into a debt crisis.： --- ###**1. A formal lending platform with low interest rates and high amounts (domestic)** 1. **Banking products** -**Traditional bank credit loans**: Such as online credit loans launched by ICBC, China Construction Bank, etc. (The annualized interest rate is generally 4% to 12%, and the maximum amount is 300,000 to 500,000). -**Internet banking**： -**Weizhong Bank (micro-micro loan)**: Daily interest rate is 0.02%~0.05%, and the maximum amount is 200,000. -**Online business bank**: For merchants or users with good credit, the amount can reach 1 million, and the annualized interest rate is about 8% to 15%. 2. **Licensed consumer finance company** -Zhaolian Finance (Zhaolian Good term loan), instant consumer finance, etc., with an annualized interest rate of about 8% to 24%, and the amount is usually within 200,000. 3. **Large Internet platform** -**Alipay loan**: The annualized interest rate is about 5.475%~21.9%, and the maximum amount is 300,000. -**Jingdong Gold Bars**: The annualized interest rate is 6.9%~24%, and the maximum amount is 200,000. --- ###**2. Precautions when choosing** 1. **Interest rate comparison** -Give priority to products with an annualized interest rate of less than 10% to avoid usury (the legal red line is 4 times the LPR, which is currently about 15%). -Be wary of high interest rates in disguise such as ”beheading interest“ and ”service fees". 2. **Amount and term** -High degrees usually require good credit reporting and proof of stable income (such as provident fund and social security). -Short-term turnover can consider products that can be borrowed and repaid as needed, and installment loans can be selected for long-term needs. 3. **Platform qualification** -Only select formal institutions that hold a "Financial License" (qualifications can be checked on the official website of the central bank or the local financial regulatory authority). --- ###**3. Important risk warnings** 1. **Investment risk** -Borrowing funds for investment (such as stocks, cryptocurrencies, futures, etc.) can easily cause losses due to market fluctuations and even be unable to repay loans. -It is not uncommon in history to go bankrupt due to “leveraged investment”. Be sure to think twice. 2. **Personal debt management** -The monthly repayment amount should not exceed 50% of income, and avoid using loans to support loans. -Overdue will affect credit reporting, and those who are serious may be sued. 3. **Alternative suggestions** -If the return on investment cannot be stably higher than the loan interest rate (such as an annualized 6% to 8% or more), it is not recommended to borrow and invest. -Give priority to self-owned funds or low-risk financial management (national bonds, monetary funds, etc.). --- ###**Summary** For short-term turnover, banks can consider low-interest products, but never rely on borrowing for high-risk investments. If there is indeed a need for funds, it is recommended to make a detailed repayment plan first and consult a professional financial adviser. Borrow rationally and do what you can!