The consumer finance market is a beacon. As an industry with a wide range of participants, rich products, rapid innovation and strict supervision, this market still has a broad space. Starting from 2020, new players will enter the consumer finance industry. Looking at today's consumer finance market structure, it can be said that a hundred flowers blossom and compete for the Central Plains.
Ping An Consumer Finance is the first consumer finance company approved to open in 2020. In order to seize the market in the "racetrack" of consumer finance, it moves quickly. Since its opening on April 23, 2020, it quickly released the first gold-eliminating product "Pingxiaoan Orange Flower" on June 30 of the same year.
Among many credit payment products, how to break through the encirclement of "Ping An Xiao Ju Hua" has become a difficult problem in front of Ping An consumer finance. "Pingxiaoan Orange Flower" has a low application threshold and is handled purely online. Users aged 22 to 45 can apply for loans quickly without leaving home. Customers only need four simple steps to complete the whole process of quota application, and the quota can be recovered once, with a maximum quota of 200,000 yuan, which can meet the needs of most users. At the same time, it has created a 7×24-hour fully intelligent and full-line consumer financial service, which is convenient to use and can be bound to WeChat or Alipay to conduct consumer scan code payment in designated cooperative merchant stores.
It is worth noting that as a "technology+finance"-oriented consumer finance company, Ping An Consumer Finance continues to explore financial technology and promote the upgrading and reform of financial services. For example, Ping An Consumer Finance independently developed a set of core technology systems covering the whole business process and life cycle of consumer finance, and created three core capabilities: product experience, intelligent risk control and intelligent customer acquisition, which can provide users with high-frequency transactions and 7×24-hour intelligent consumer credit services, effectively meeting consumers' demand for convenient financial services.
In the business operation of consumer finance industry, financial risk control prevention is undoubtedly the focus. In this regard, how should the consumer financial platform improve its corresponding risk control capabilities? It is reported that Ping An Consumer Finance has given full play to its scientific and technological advantages and built an end-to-end information security protection system based on cloud management and the whole process, effectively protecting user information and solving users' worries.
In the process of rapid expansion of the consumer finance market, traditional financial institutions, licensed consumer financial institutions and Internet companies have begun to lay out, and the competition is becoming more and more fierce. Based on this, Ping An Consumer Finance will continue to deepen the implementation of standards, always maintain high standards and strict requirements, and continue to provide customers with high-quality, safe and reliable consumer financial products and services.
Is there a guarantee fee for Ping An Consumer Finance?
Yes
Ping An Consumer Finance takes the money from the bank, lends it to you through its own platform, and bears the risk that you can't keep up. Pratt & Whitney is equivalent to the guarantor, so a certain percentage of the guarantee fee is charged.
Ping An Consumer Finance Co., Ltd. was established on April 9, 2020. Ping An Consumer Finance Co., Ltd., referred to as Ping An Consumer Finance for short, was established in Shanghai with the approval of China Banking Regulatory Commission. Is a national popular science consumer finance company, providing all-round consumer finance services for domestic residents and young consumer groups.
Ping An Bank Consumer Finance
Ping An Consumer Finance is the system of Ping An Bank, both of which are subsidiaries of Ping An Group and belong to the Ping An financial system. Ping An Consumer Finance Co., Ltd. was established on April 9, 2020. The business scope of the company includes: licensed items: 1, granting personal consumption loans; 2. Accept deposits from domestic subsidiaries of shareholders and domestic shareholders; 3. Borrowing from domestic financial institutions; 4. Approve the issuance of financial bonds; 5. Domestic interbank borrowing; 6. Consulting and agency business related to consumer finance; 7. Acting to sell insurance products related to consumer loans; 8. Fixed income securities investment business; 9. Other businesses approved by China Banking Regulatory Commission. If funds are needed, they can also be handled through the official channels of Ping An Bank. For details, please log in to Ping An Pocket Bank APP- Finance-Loan and try to apply.