The shareholders of instant consumer finance cover banking, insurance, wholesale and retail, and are composed of shareholders of four listed companies. Among them, Chongqing Department Store holds 30%, Beijing Yurun holds 20%, Chongqing Bank holds 18%, Sunshine Insurance holds 12%, Zhejiang Commodity City holds 10%, and Wumart Holdings holds 10%. Zhao Guoqing is the sole shareholder and legal person of Yurun Company.
Consume the products of financial companies immediately.
Immediate consumer finance company will launch the online transaction app of "Immediate Loan", and its platform products include three categories: 1. Long-term virtual credit card; 2. It is a short-term cash loan; 3. Self-built scene-based mobile Internet products: Scene-based mobile Internet products refer to users using instant consumer financial products for consumption in specific consumption scenarios. In the future, consumer finance will cooperate with e-commerce platforms such as tourism and renting houses to expand more consumption scenarios.
Direct consumer finance company customers
The people who provide loans by instant consumer finance companies are mainly young white-collar workers aged 20-28. Compared with credit cards, instant consumption focuses on low-and middle-income customers. At the same time, the upper limit of a single loan can reach 200,000, and the expected annualized interest rate of the loan is flexible, which is four times lower than the benchmark expected annualized interest rate and can freely float according to the credit level of users.
Risk control of consumer finance companies is urgent.
The risk control of consumer finance companies immediately adopts the mode of combining traditional Chinese and western medicine. The first round is based on the scoring mode of FICO system, and the judgment is made according to experience. This model can play an important role in anti-fraud and cashing. Western medicine model is a data model imported from abroad, and credit risk control is purely machine decision-making, which will improve decision-making efficiency and reduce costs.