1. Qualification of operating company: The operating company of 360 IOUs is Fuzhou Sanliuling Network Microfinance Co., Ltd., which has a network microfinance license and is legally compliant.
2. Cooperative financial institutions: 360 All financial institutions that cooperate with IOUs are regular licensed financial institutions and can lend legally.
3. Credit docking: After the 360 loan is successful, the loan record will be docked with the People's Bank of China, and only formal loans can be docked.
4, account information security: 360 IOUs have advanced network technology, passed the information security ISO2700 1 certification, and personal information security has a strong guarantee.
5. Compliance of loan interest rate: The maximum loan interest rate of 360 IOUs does not exceed 36%, and the interest rate is not illegal, so 360 IOUs are formal.
6. Application fee: 360 IOU application is free, and there is no charge for application failure. After the loan is successful, no loan interest will be charged before the loan funds are successfully received.
7. Age limit: The application age of 360 IOUs must be between 18-55 years old, and it is forbidden to provide consumer installment loans to college students.
8. Company background: 360 IOU is a personal and micro-credit platform under 360 Finance, a listed company, which is strictly regulated.
9. Technical support: 360 IOUs rely on the advanced Internet security technology and big data technology of 360 Group to improve the domestic personal credit information system.
10, risk control: 360 IOUs are used to build an entity model of social media behavior, and an authorization management credit blacklist system is built according to the user's social circle as a credit rating reference to avoid repeated applications, impersonal applications and false information.