Huiren Loan was established in August 20 12. The company consists of many elites who have served in foreign banks, Chinese banks and first-line Internet companies for many years. Is an internet finance company focusing on retail finance.
Huirendai Business Consultant (Beijing) Co., Ltd. is a high-yield P2P online investment and financial management platform? Provide financial consumers with safe, transparent and high-quality investment information machine purchase services.
2065438+June 65438+June 5, Huiren Loan Business Consultant (Beijing) Co., Ltd. (Huiren Loan) announced the completion of the A round of financing in Beijing. Netease Capital, Jinshi Investment and Xing Kai Capital have injected tens of millions of dollars into Huiren Loan.
Product service
Main guarantee:
Principal guarantee means that when the loan invested by the financial manager (lender) is seriously overdue (that is, overdue for more than 30 days), Huiren Loan will advance the outstanding loan principal to the financial manager, thus creating a safe investment environment for the financial manager and ensuring the investor's principal safety.
After you invest in loans overdue for 30 days, the risk reserve account of Huiren Loan will transfer the outstanding principal of the loan to your Huiren Loan account within one working day.
Risk reserve:
"Risk Reserve Account" refers to the special account opened in the name of Huiren Loan and loaned to interest management by the wealth management manager.
The funds in the "Risk Reserve Account" will be used exclusively to make up for the loss of principal receivable suffered by the financial manager (creditor) served by Huiren Loan due to the borrower's (debtor's) breach of contract within a certain limit, that is, when the borrower (debtor's) fails to repay the loan for more than 30 days, Huiren Loan will withdraw funds from the account according to the rules for the use of funds in the "Risk Reserve Account" to pay the principal that the financial manager (creditor) should receive.
Extended data:
With the continuous development of China's financial industry and the increase of loans between individuals and banks, the word "personal credit" appears more and more in people's economic life.
Accurately speaking, "personal credit" should be called "personal credit history record" or "personal credit record", which refers to the record of people's loan and repayment behavior in the bank when dealing with the bank. It is one of the important bases for banks to decide whether to lend, how much to lend and the length of the loan period.
gain time
A lot of information the bank needs to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.
Convenient borrowing books
As the saying goes, it is not difficult to borrow again. If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. Not only can we provide credit services such as loans and credit cards, but we may also give preferential treatment on the amount and interest rate.
Credit reminder
If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan.
If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear. This reminds you to cherish your credit history and consciously accumulate your credit wealth.
Fair credit
Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of subjective feelings and personal emotions of loan officers on your credit card application results, and gives you a fairer credit opportunity.
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