Second, the nature is different. CreditEase Pratt & Whitney is a inclusive finance business brand under CreditEase, and CreditEase is a P2P platform under CreditEase.
Third, the business is different. CreditEase Pratt & Whitney provides financial consulting services to the working class, small and micro business owners, farmers and other people, and makes reasonable property planning and loan solutions. Yirendai provides financial services for lenders and loan services for borrowers. It does not directly participate in lending, but provides services for lenders and borrowers through matchmaking.
The depository bank of pleasant loan is Guangfa Bank, and a separate depository account is set up for each user to ensure the safety of users' funds. Guangfa Bank keeps and manages users' funds throughout the whole process, so as to prevent pleasant loans from occupying users' funds. The establishment of depository bank separates the trading funds of users from the free funds of pleasant loan platform.
Pleasant loan only provides users with peer-to-peer lending information intermediary services, and does not directly provide financial products such as bank wealth management, securities management, funds, insurance and trust.
CreditEase Pratt & Whitney provides users with economic and trade consulting, financial consulting, enterprise management consulting, market research, data processing and other services.