Serve both borrowers and lenders and build a bridge of information communication. Different from traditional financial services, large peers do not establish a pool of funds, do not earn spreads, and only provide financial information channels. Great peers join hands with offline guarantee companies, online third-party payment platforms and well-known domestic insurance companies to provide investors with the most reliable investment guarantee mechanism. The operating company is Datong Aviation (Beijing) Network Technology Co., Ltd., and he has won the honors of the best credit platform of Internet finance in China and the top ten influential brands of Internet financial services in China.
New mode of transportation:
Great peers have built a bridge for borrowers and investors to share information and provided communication channels for both the supply and demand sides. The cooperative loan guarantee institution conducts on-the-spot investigation and evaluation by selecting high-quality borrowers. After the approval, the risk control team of Datong will conduct a second credit evaluation review on the borrowers, and the loan demand can be released in Datong only after the second approval.
Investors can choose appropriate loans to invest, or they can make diversified investments according to investment projects, and the investment funds are managed by a third-party payment platform. After the loan is successful, the third-party payment platform will pay the borrower. The borrower also pays the funds to the investors through the third-party payment platform.
Datong is a fair, transparent, safe and efficient internet financial information service platform, which provides guaranteed internet financial services and expects high annualized income. Through peers, they lend their surplus funds to high-quality borrowers with good credit guaranteed by authoritative guarantee institutions and get interest returns far higher than the expected annualized interest rate of bank deposits. On this basis, peers practice honesty and build a completely open internet financial information platform, so that borrowers can apply for loans and obtain funds through personal credit, and wealth managers can choose their own projects through public information, invest and obtain expected annualized expected returns.
Security:
Compared with traditional financial services, large peers do not set up a pool of funds to ensure that the information of each borrower is true and reliable, and do not earn the spread between loans, but only provide financial information channels. At the same time, it cooperates with offline guarantee companies, online third-party payment platforms and well-known domestic insurance companies to provide investors with the most reliable investment guarantee mechanism.
Compared with the traditional risk control system, big peers set up data analysis teams for various industries to understand the industry characteristics and industry forms of users. And through the scientific and reasonable industry positioning of users, it helps investors to analyze users' repayment ability and willingness more thoroughly. At the same time, peers carefully choose qualified third-party guarantee institutions to provide guarantees for financing needs, and fully protect the interests of investors.
In addition, in extreme cases, if the cooperative institution goes bankrupt, the agreement signed by investors at the time of investment is still valid and protected by law. Through the counter-guarantee agreement with the cooperative organization, the big peers will fully compensate the owner for the losses, and jointly promote the full performance of the loan contract with the team of lawyers and professional collection agencies.