How about Junrong loan?
(1) Banking experience+Internet thinking
Junrong Loan's team brings together the elites of the banking and Internet industries, and has a deep understanding of the public's financing needs, bank loan products and wealth management products, and also has a considerable understanding of Internet entrepreneurship and operation. Junrong Loan is an Internet finance company that really conducts business based on Internet thinking.
(2) Strict risk control system
A. Trust funds through third-party platforms to ensure the safety of funds. The user account and the platform account are completely independent and isolated, and the entry and exit of account funds is supervised by the bank, so the platform running risk is zero.
B. Implement strict project risk control review to control the safety of the project. Field investigation, review the borrower's credit information, operating conditions, capital conditions, etc. Evaluate the repayment ability and willingness, select the best and eliminate the worst, only keep the best loan projects, follow up and supervise the use of funds after the loan, and control the safety of the projects throughout.
C cooperative guarantee institutions provide 100% principal and interest guarantee for loan projects, and pay overdue bad debts first. At the same time, Junrong Loan has set up a reserve account in the bank to realize the double protection of investors' principal and interest.
D. Pay attention to network information security and strengthen account protection. The user's investment will be communicated and authenticated in turn, and the user's withdrawal will only be bound to his own bank card to ensure the safety of funds entering and leaving; Transmission encryption protection, multi-layer firewall isolation, real-time data backup, to ensure security.
E. The funds are managed by a third party, and every fund activity of users on the platform can be clearly monitored and the process is transparent. The survey results of loan projects fully reflect the loan demand, the borrower's background and repayment ability, and users can control the project information before investing.
Junrong Loan brings together elites from banking, securities, Internet, e-commerce and other industries, and is committed to becoming a leading enterprise in P2P online lending industry of Internet finance in China.
Junrong Loan screened projects through strict risk control audit, and provided risk protection together with strength guarantee institutions. Junrong Loan takes supply chain finance as its main feature, and adopts P2P online lending mode to bridge the gap between small and medium-sized enterprises with borrowing needs and individuals with investment and wealth management needs, so as to achieve financial management and mutual benefit.
For borrowers, Junrong loan is a fast and efficient financing platform; For investors, Junrong Loan is a safe and reliable financial platform with considerable income.
Is Junrong Loan Safe?
Full due diligence. Professionals with senior bank risk control background will review each borrower's information and credit information, understand the use of funds, and then evaluate their repayment ability and willingness according to financial information, operating conditions and mortgage conditions. Only after the risk control audit and the elimination of false or inferior projects will the loan demand be released, and users can fully grasp the project information before investing to ensure the minimum risk.
Strict fund custody. The third-party custody of funds advertised by some P2P enterprises is essentially the third-party payment of funds, and the user's funds are deposited in the name of the platform's fund account, so the platform has full access to the user's funds. Under the Junrong loan model, investors, borrowers and Junrong loans all have their own independent and unique fund accounts on the fund custody platform. Investors' funds do not flow through Junrong loan platform, and Junrong loan has no right to control these funds, which eliminates the possibility of absconding with money.
Transparent information flow. After investors invest through Junrong loan platform, all information about the circulation and use of funds can be inquired, the information exchange is true and transparent, and investors have the maximum complete right to know.
Adequate protection. Junrong loan projects are all guaranteed by third-party guarantee institutions, 100% of principal and interest. At the same time, Junrong Loan has set up a risk reserve to remedy uncontrollable risks in time and realize the double guarantee of investors' principal and interest.