Although they are all lending platforms, they do not belong to the same company.
1, 360 An Credit, also called 360 IOUs, is a personal and minority credit platform of 360 Finance. An Credit belongs to Jun Anxin Technology Co., Ltd. Founded on 20 1 1 and headquartered in Beijing, China, it is an early p2p online lending platform in China. It uses cloud computing, machine learning, 360 big data and other technologies to provide services for borrowers, avoiding too much manual participation. Let everyone get fair and efficient loan services and avoid the information leakage of lenders.
2. An Credit is an online lending platform that provides P2P loan guarantee business. On the peer-to-peer lending platform of An Credit, people can conduct investment and wealth management business and apply for loans to obtain financing needs. An Credit Peer-to-Peer Lending Platform is equivalent to a network intermediary platform, which builds a financial bridge between borrowers and investors and provides comprehensive guarantee services for both borrowers and investors.
Extended data:
Microfinance risk diversification
Small-scale decentralization has largely solved the risk of bad debts. By setting reasonable annualized income and good risk control measures in the past, even a large amount of small loans overdue can cover risks and make up for the loss of principal.
Small loans are small and borrowers are willing to repay. Moreover, with the advancement of the personal credit information system, the untrustworthy will be subject to many restrictions such as travel, accommodation and work social security. Industry data shows that the overdue rate of small loans is not high. Lenders' funds are evenly distributed to multiple borrowers, covering 3/kloc-0 provinces in China. "Don't put eggs in one basket", which truly realizes small-scale dispersion and controls risks.
Intelligent big data risk control
An Credit adopts intelligent risk control mode, adopts multi-dimensional cross comparison, user behavior analysis, model prediction and other technical means, and relies on external data of the Internet, such as social information, consumer behavior information, and third-party credit reporting. Under the authorization of the borrower, accurate portraits of micro-loan users are made to effectively control risks.
References:
An Credit official website: Risk Control