What do you mean by lucky treasure _ How to apply for lucky treasure?

What is a lucky treasure? Zhaocaibao is an open financial information service platform under Ant Financial Services, which was formally established in April 20 14. Based on the advantages of big data and cloud computing, Lucky Treasure connects individual investors with small and medium-sized enterprises and individual financiers to provide intermediary financial information services for both investment and financing; At the same time, we also cooperate with banks, insurance and other financial institutions and guarantee companies to provide professional risk management and credit enhancement measures for loan projects.

On the one hand, small and medium-sized enterprises and individuals can issue loan products through the lucky treasure platform, and financial institutions or guarantee companies will provide credit enhancement measures as credit enhancement institutions. On the other hand, investors can choose to lend money directly to financiers according to their risk preferences. Under the premise of strictly abiding by laws, regulations and regulatory policies, Zhaocaibao Company will not release any wealth management products or loan projects, set up a fund pool or provide guarantees for all parties to the transaction.

How to apply for lucky treasure

The loan process of Zhaocaibao can be completed on the network platform of Zhaocaibao. First, you can find your own suitable loan type on the page, then apply online to fill it out, wait for the loan specialist of Zhaocaibao to contact, and then submit the required audit materials. The loan specialist will assist the borrower to find a suitable lender and finally complete the loan.

Lucky Treasure is different from other P2P platforms. Not everyone can borrow money through personal loans. Only those who hold the specified products purchased at Zhaocaibao can borrow money. Designated products include insurance, graded debt base and personal loans. In essence, the borrower borrows money from other lenders with the products he bought in Zhaocaibao as collateral.

For example, if you just bought a three-year universal insurance and suddenly find yourself short of money, you can quit the universal insurance without paying a high surrender premium. You only need to use insurance as collateral to apply for a "personal loan". Lenders will rush to lend you money, and you can also charge interest on universal insurance.

Of course, others are willing to lend it to you because you hold the products of Lucky Treasure. In case of default, the products you bought on Lucky Treasure can at least be used as a source of repayment. Because the purchase of products is completed in Zhaobao, it is easy to control your products in Zhaobao.