1. Lending Bao is a mobile internet financial micro-loan APP launched by Mintel Commercial Factoring Co., Ltd. on September 20 16, focusing on online micro-loan business below 5,000 yuan, focusing on high pass rate and rapid loan approval, quickly analyzing the financial and economic situation and credit rating of individual users, and helping them to obtain low-cost loans quickly;
2. Lending Bao integrates online credit data and traditional offline data according to the information provided by users, estimates the initial credit limit based on its own financial big data risk control model, and at the same time improves the credit limit that meets the needs and repayment ability for users according to the user's usage habits. Borrowing money uses bank-level encryption to fully protect the security of users' credit information.