First, you take a loan from me.
You-Me Loan (www.niwodai.com) is an information intermediary platform in peer-to-peer lending, which was put into operation on June 201/. The mobile APP was launched on 20 14. At present, the operator of your loan is Shanghai Nidai Internet Financial Information Service Co., Ltd., with a registered capital of 65.438+RMB 0.00 billion. The purpose of your loan is to establish an efficient, transparent, innovative and convenient internet financial service for small and micro business owners or individuals with financing and investment needs.
Your loan service has covered more than 65,438+000 cities in nearly 30 provinces across the country, and the funds connected with your loan have penetrated into the vast second-and third-tier cities and towns in China, helping hundreds of thousands of small and micro business owners, individual business practitioners and individual users who are in urgent need of financing development.
Second, credit.
Harmony (Nasdaq: HX) is operated by Hexin E-Commerce Co., Ltd., and its headquarters is located in the central business district on the south side of East Chang 'an Avenue in Beijing. Credit and credit combine global financial development and Internet technology innovation to provide professional and reliable peer-to-peer lending information matching services for individual customers on the basis of a sound risk management and control system. Credit was successfully listed on NASDAQ on1October 3, 20 17+ 165438, stock code: HX.
Since its establishment, Credit Co., Ltd. has been practicing the core concept of "public finance, mutual benefit and win-win", promoting the consumption upgrade of service users by exporting risk control capabilities, product capabilities and technical capabilities, and is committed to providing users with efficient, convenient and all-round personalized consulting services in inclusive finance. In the future, Credit Information Co., Ltd. will continue to adhere to its own team and self-operated business, strictly implement risk control management, and contribute to the financial reform and the realization of inclusive finance.
Third, nine blessings
Jiufu focuses on the financial strategy of mobile Internet. As of March 20 16, the number of registered users on the mobile side exceeded 23 million, far ahead of peers. With the leading influence in the industry and excellent risk control technology, Jiufu has built an open and win-win mobile financial ecological chain. At present, Jiufu's team has more than 1 000 people, covering more than 360 cities across the country. It is the participation of this group of professionals that provides an important guarantee for Jiufu's steady development and better service to users. Jiufu has always adhered to the mobile financial strategy as the core, with an average household income of 30,000-50,000 yuan, which is completely peer-to-peer, small amount and multiple orders, and scattered risks, in line with the national policy of healthy and standardized development of Internet finance. In 20 15, Jiufu ranked second in the rating of national online lending platform issued by the National Finance and Development Laboratory of China Academy of Social Sciences.
However, personal credit information is very important. When you go to the bank to handle various loans, the bank usually requires the applicant to have a good credit reference. People with poor credit information want to apply for a car loan. Which bank handles car loans without looking at credit information? It is reported that basically many banks look at credit reporting and have very strict requirements for credit reporting.
At present, regular loan platforms will access the credit information system in accordance with the relevant regulations of the People's Bank of China. Access to consumer loan products with personal credit information will truthfully feed back the borrower's historical usage records, which will help financial institutions to evaluate the borrower's personal credit status. If you have poor credit information and want to apply for a car loan, you can only find a financial company or an online loan. Under normal circumstances, if the borrower repays on time and keeps good habits, borrowing on the online lending platform will not have a negative impact on personal credit, but will help personal credit accumulation. If the credit information is stained due to overdue, remember to solve the debt as soon as possible and keep the credit information well.