2. Guarantee and repurchase guarantee: The short-listed credit institutions promise to guarantee and repurchase the creditor's rights to protect the interests of investors from losses.
3. Reserve guarantee: The risk reserve has been established on the platform of Micro-Finance Institute. In the case of default, the risk reserve will advance the investor's principal and interest in time without default.
4. Insurance guarantee: The platform of Microfinance Institute has established cooperation with China PICC and China Life E-commerce Company, and introduced various forms of insurance mechanisms to maximize the risks of all parties and protect the interests of investors in time.
5. Payment guarantee: Micro-Finance Institute cooperates with China UnionPay as a platform-wide third-party payment transaction channel, and the flow of funds is monitored by UnionPay.
6. Financing guarantee: multiple investors can inject funds in the form of crowdfunding, and investors can also invest their funds in multiple borrowing targets to spread risks and guarantee income.
7. Credit guarantee: Through the docking of Shanghai Credit Information System and China People's Bank Credit Information System database, high-quality borrowers can be effectively screened out, and high-quality loan demand targets can be released. At the same time, bad customers will be eliminated to prevent loan risks from being transmitted to the platform of microfinance institutions.
8. Contract guarantee: Microfinance Institute cooperates with China Financial Certification Center (CFCA) to protect the contract documents generated in the transaction with electronic seals, which makes the online signing of electronic contracts more convenient and gives legal effect to the online signing of electronic contracts.