1, Love Money is an information intermediary platform in peer-to-peer lending launched on 20 14 with a registered capital of 1 100 million yuan. [1] As of June 20 19, Qianjin's cumulative service users have exceeded160,000, and the cumulative investment return of users is 6.9 billion. In June 2020, Ai Qianjin was investigated by the Economic Investigation Bureau of Dongcheng District, Beijing, and the president responded: I don't know; In September, Ai Qianjin was placed on file for investigation by the Dongcheng District Public Security Bureau of Beijing, and the complainant can report the case to the public security department with relevant evidence materials; 10 10/2 1 day, Aiqianjin (Beijing) Information Technology Co., Ltd. filed for bankruptcy and reorganization. The applicant is Deng Libin, and the case number is (2020) Jing 0 1 No.639 and 202 1 May 20th. "A friend had a problem when using Qian Bao's products, and I felt very sad. In July 2020, the platform "Love Money" endorsed by Wang Han, a well-known host, encountered payment difficulties. After the incident, Wang Han chose to apologize and said that he would "follow up this matter" and "try his best to properly solve this matter".
2. Business scope. Technology development; Service; Technical consultation; Technology transfer; Computer services; Data processing (in data processing, the bank card center and PUE values are both1; Except for more than 5 cloud computing data centers); Basic software services; Application software services; Investment management; Investment consulting; Economic and trade consultation; Enterprise management consulting; Domestic call center services in the second category of value-added telecommunications services (the Valued Telecommunications Business License is valid until March 2022 15); Information services in the second category of value-added telecommunications services (Internet information services only) Internet information services do not include news, publishing, education, medical care, medicines and medical devices, and bulletin board services; (The Business License for Internet Information Service Value-added Telecommunication Business is valid until March 2, 2020), (Without the approval of relevant departments, no funds may be raised publicly; Trading activities of securities products and financial derivatives shall not be conducted publicly; Loans are not allowed; Shall not provide guarantees to other enterprises other than the invested enterprise; Do not promise investors that the investment principal will not be lost or promise the minimum income "; Enterprises choose their own business projects and carry out business activities according to law; Projects that are subject to approval according to law shall, after being approved by the relevant departments, carry out business activities in accordance with the approved contents; Shall not engage in business activities of projects prohibited and restricted by the industrial policies of this Municipality).
3. Risk assessment process. Love money asset partners will analyze the basic information of potential borrowers. Conduct detailed and prudent due diligence through effective channels such as internet and telephone to avoid the fraud risk of bad customers. After the information is verified, it is evaluated according to the personal credit risk analysis system. Experienced loan auditors will make a final decision on the approval result after the double review and confirmation of the first trial and the final trial. If passed, the approved borrowers and financing projects will be pushed to Ai Qianjin, and Ai Qianjin will conduct a second audit on the borrowers and financing projects. Ai Qianjin has formulated a series of risk control measures and strictly implemented them, and conducted necessary audits on the qualifications of lenders and borrowers, the authenticity of information, and the authenticity and legality of financing projects. To prevent fraud and realize the risk control management of asset bidding. The specific risk control degree includes the lender qualification audit management system, borrower and financing project audit management system, user information authenticity management system, fraud prevention management system, etc.
(Operating environment: iPad 9th generation 15. 1 Love Money 7.5. 1)