Zhaolian Jinbairong was jointly funded by China Merchants Bank and China Unicom. It is approved by the China Banking Regulatory Commission and has a formal financial license. It is a legal and formal financial company and is credible.
1. From the background, this company is a licensed consumer financial institution approved by the China Banking Regulatory Commission. The threshold of consumer finance license is very high, and enterprises without strong background (such as banks and group enterprises) can't get it at all, so at present, only 27 companies in China have obtained this license. Among the 27 licensed consumer finance companies, Zhaolian has a strong background, because its shareholders are China Merchants Bank and China Unicom, two Fortune 500 companies. If none of this is reliable, what is?
2. The source of funds is very important to see whether a consumer financial institution is reliable. From the source of funds, Zhaolian Finance is also very reliable. Zhaolian Finance was jointly established by China Unicom and China Merchants Bank, with registered capital from two parent companies. Since 20 17, China Merchants Bank has granted a total of 65 billion comprehensive credit lines to Zhaolian Finance for three consecutive years. In addition, Zhaolian Finance has obtained the qualification to enter the national interbank lending market.
3. From the perspective of enterprise operation, recruitment is also very reliable. Zhaolian Finance is a licensed consumer finance company, which is also known as the regular army. There are essential differences between regular troops and guerrillas. First, regular troops obey the command of their superiors. Second, the regular army has strict discipline; Third, the task of the regular army is clear. The same is true of Zhaolian Finance. First, accept the supervision of the China Banking Regulatory Commission; Second, conduct business on the basis of strictly observing various laws and regulations; Third, as a consumer finance enterprise approved by the CBRC.
4. From the perspective of loan experience, Zhaolian Finance provides pure online and guarantee-free inclusive consumer credit service, which is convenient to use and has low threshold. In order to ensure the security of information and funds in the whole process, Zhaolian Finance has formed a verification system based on face authentication technology and information cross-verification, which has realized the online automatic verification ability, and the recognition accuracy is even higher than that of manual recognition, and the user experience is better. In addition, in terms of fraud identification, Zhaolian Finance has independently created a series of risk control capabilities such as GPS real-time fishing nets, machine learning models, star map related networks, and risk warning through financial technology innovation, so as to intelligently discover and intercept fraud in real time and avoid customer losses.