CreditEase Yirendai has opened three types of accounts in Guangfa Bank: transaction fund custody account, risk reserve fund custody account and service fee account. Guangfa Bank comprehensively manages every transaction of users on CreditEase Yirendai platform, effectively isolating users' funds from platform funds.
CreditEase is actively deployed in frontier areas such as payment, online lending, crowdfunding, robot investment, smart insurance and blockchain, and participates in global financial technology innovation through business incubation and industrial investment? .
1. Scope: inclusive finance and wealth management consulting services.
2. Founder: Tang Ning.
3. Customer groups: high-growth groups, affluent groups and high-net-worth groups. ?
4. Corporate culture: Be good to yourself and have a good life.
Extended data:
core competitiveness
1, business model
Pleasant loan innovation has realized the online operation of P2P from customer acquisition, risk control, transaction to customer service. Pleasant loan focuses on urban white-collar workers with credit maintenance consciousness, with good education, credit awareness and stable repayment ability. ?
2. Online risk control
Yirendai carries out risk control innovation based on mobile Internet and big data technology, extensively collects multi-dimensional information and user authorization data for cross-comparison, realizes intelligent decision-making through automatic credit information system and anti-fraud system, and provides strong data support with cloud technology data processing center.
3. Technology drives industry.
Yirendai intelligently captures and analyzes massive user authorization data as credit basis, comprehensively analyzes the data with multidimensional matrix, guides product optimization and operation with intelligent technology, provides safe and efficient technical support, and arranges multiple monitoring services to achieve 360-degree security. ? [2]?
4. Security and transparency
2065438+June 2005, Yirendai and Guangfa Bank reached a P2P fund custody business cooperation.
Guangfa Bank monitors and checks all the processes of CreditEase Pleasant Loan Platform, including user's real-name account opening, contract signing and filing, transaction and contract matching review, transaction fund transfer, and risk reserve monitoring. Guangfa Bank will check the matching degree between the loan information and the contract with CreditEase Yiren Loan, and trigger the transfer of funds according to the contract information to ensure the authenticity and security of the transaction.
CGB will regularly issue fund custody reports, and users can check the fund custody status at CreditEase Yiren Loan official website.
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