First, the company situation of Chongqing Xiaoyu Online Loan.
Chongqing Xiaoyudian was established in February 20 15, 16, and obtained the legal operation qualification of online microfinance in June 20 16. Is an Internet high-tech financial enterprise with a registered paid-in capital of US$ 300 million, which is actually controlled by the Lee Shau Kee family represented by Li Ka-shing. Since its establishment, Chongqing Xiaoyudian has been clearly positioned as a "financial technology company driven by independent research and development technology", and is committed to building a company that promotes inclusive finance with technology, establishes itself with technology, and solves the financing difficulties and expensive problems of customers with technological innovation. Relying on the power of new technologies such as artificial intelligence, big data, cloud computing, blockchain and biometrics, we will deeply integrate and connect the technology and financial industries.
Second, Chongqing Xiaoyu Online Loan has not closed down.
The business information of Chongqing Xiaoyudian Online Loan shows that it is operating normally. Although Chongqing Xiaoyudian Online Loan no longer issues new loans, many loans have not been recovered, so it will not close all businesses immediately and still need normal operation. In addition, I don't recommend users to apply for online loan products, and the annualized interest rate of online loans in Chongqing Xiaoyudian is also very high, which is not conducive to users to develop the correct habit of using funds.
Third, users are advised to stay away from online loans.
With the advantage of the Internet, online loans can complete the loan application steps on mobile phones, including people who know all kinds of loans. As long as you need to apply, once you submit an online loan application, other online loans will be corresponding, and all kinds of software and platforms are generally promoting online loans. But it will also bring a lot of harm to society. If you set foot in online lending, it will have a great impact on your life. If the amount is too large, and you are unable to repay it, and you dare not borrow money from your family and relatives to repay the online loan, the amount of online loan will increase. Even because of huge online loans, life is depressed.
Peer-to-peer lending seems simple, but it is actually a more complicated model than financial institutions such as banks. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial products correctly, but blindly pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because the original intention of its establishment is only to make profits, its organizational structure lacks professional credit risk management personnel, and it is difficult to grasp and deal with the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.