Security guarantee of general loan

1. Loan review and guarantee: After the customer applies for a loan, Putian Loan will analyze the basic information of the customer. Conduct detailed and meticulous investigations through effective channels such as the Internet and telephone. Avoid the fraud risk of bad customers. After the data information is verified, it is evaluated according to the personal credit risk analysis system, and the approval result is finally decided after double review and confirmation by experienced loan auditors.

2. Putian Loan has a special risk reserve account: this is a special account opened in the name of Putian Loan, which is managed by the wealth management manager for the same interests. When the borrower (debtor) fails to repay the loan, Putian Loan will withdraw funds from the risk reserve account according to the rules for the use of account funds to pay the principal and interest that the wealth manager (creditor) should charge.

3. Custody of third-party funds: At present, Putian Loan Company's custody of customers' transaction funds is completely in accordance with the standard mode of special account and special fund, and customers' transaction funds in Putian Loan Company can be completely assured.

4. User resources and privacy protection: Protecting user privacy and data security is one of the most important responsibilities of Putian Loan. In the transport layer, we use encrypted data for transmission to prevent network subcontracting from being intercepted and causing data leakage.