Renren loan adopts risk reserve to protect the interests of lenders. At present, the loans overdue rate is low. Through accumulation, the risk reserve can cover overdue loans, and the lender's funds are relatively safe.
Judging from the current industry, everyone's loan has great advantages in terms of loans, and everyone can choose to lend. Personally, I feel very good. Many people will choose renren loan when choosing.
The risk control mode of everyone's loan;
First, the loan amount control. The per capita loan amount of Renren Loan is 30,000-50,000 yuan.
Second, the decentralized lending model. Lending the customer's funds will spread the risk of the loan to several borrowers, effectively dispersing the funds.
Third, the risk reserve system. Renren Loan has specially set up a risk reserve fund as a risk buffer for lending customers. The most obvious is the first point, which limits the loan amount, but the amount is too small and scattered, which may increase operating costs.