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1, Yixin
CreditEase Company is a comprehensive modern service enterprise integrating wealth management, credit risk assessment and management, and credit data integration services. Founded by Tang Ning in 2006, it was listed on 20 15 12 18. Headquartered in Beijing. Take the lead in introducing foreign advanced credit management concepts, and launch a person-to-person (also known as P2P) credit loan service platform in combination with China's social credit situation.
2. What about CreditEase's loan?
(1) overdue interest and late fees are not calculated within the grace period, but after the grace period. The overdue fine is 5% of the arrears, and the interest is calculated at the daily interest rate of 0.05%.
(2) If the payment is overdue once, it will be repaid immediately in a short time, which will not affect personal credit.
③ It has certain influence on abstinence.
(4) If it is overdue for more than 60 days, the overdue record will be uploaded to the personal credit information system.
⑤ If loans overdue lasts more than 90 days, CreditEase will mark your credit as bad, which will affect your re-applying for a loan in the future.
3. CreditEase Loan
CreditEase refers to unsecured and unsecured credit loans obtained by borrowers (such as college students, working-class people, poor farmers, WeChat business owners and other high-growth groups) on CreditEase's P2P credit service platform. Here, CreditEase, as an intermediary service platform, neither absorbs deposits nor lends money, but helps borrowers to obtain credit loans from city lenders with spare money through intermediary credit review and risk control services, so as to meet the capital needs of lenders while helping borrowers obtain funds.
4. Features
① Risk dispersion
Through the platform of CreditEase, the lender's funds will be lent to different people, and the borrower's money will come from different lenders. Because the lender's funds are divided into multiple shares and lent to multiple lenders at the same time, the natural risk diversification advantage of P2P model greatly reduces the possibility of overall default.
② Direct transparency
Lenders and borrowers directly sign personal loan contracts to get to know each other's identity information and credit information one-on-one. Lenders know the borrower's repayment progress and improvement of living conditions in time, so as to truly and intuitively experience the value they have created for others.
③ Low threshold
Peer-to-peer lending makes small credit transactions between individuals convenient, and everyone can become a disseminator and user of credit.