1. Shang Meng Commercial Service Co., Ltd. (hereinafter referred to as "Shang Meng") is a professional organization dedicated to non-financial payment services and corporate business services. Founded in 2007, the company has a registered capital of 1 100 million yuan and its headquarters is located in Hangzhou, Zhejiang. 20 1 165438 February, Shang Meng obtained the Payment Business License issued by the People's Bank of China. It is the first payment enterprise in Zhejiang Province to obtain the license of prepaid card business and Internet payment business. Shangmeng is the earliest payment institution in Zhejiang Province to carry out multi-purpose prepaid card business and Internet payment business. Under the strict supervision and management mechanism of the People's Bank of China, the company provides comprehensive services such as payment and settlement for group welfare procurement between "special merchant alliance" and "group consumption alliance" through the issuance and acceptance of "business alliance card". Provide personalized solutions such as electronic payment, integral marketing and welfare management based on prepaid cards and the Internet, and provide all-round value-added services for financial institutions, telecom operators, public institutions and large and medium-sized high-quality businesses. Better meet the needs of social and economic activities for payment services.
2. The company has built a financial payment business processing system, a network and communication system, and an active and standby computer room; "Shang Meng Payment Card System" and "Shang Meng Internet Payment System" passed the payment business system tests of "China Financial Electronics Company" and "China Software Evaluation Center" respectively.
Internet finance is a popular lending method in recent years. Many people began to join the team of Internet finance, and there are also many Internet financial products. The key point of Internet financial lending is security first, so we should judge the security of any Internet financial product before choosing it:
1, see the mortgage. First, it depends on what the collateral is. If it is a real estate or a car, the risk is naturally smaller; Second, it depends on the mortgage rate, which should be enough to cover the debt.
2. Look at the flow of funds. Whether the platform is fully connected to the bank depository, the borrower's loan funds should be directly transferred to the borrower's bank depository account to avoid the platform touching the funds.
3. Look at the risk control process. Whether the Internet financial risk control process is strict and whether each creditor's right is transparent. In the process of loan review, if the platform cannot disclose the review standards, and the review procedures are vague, and the information disclosure is opaque or completely undisclosed, then such a target project is risky.