In order to operate in compliance, pleasant loan platform signed a cooperation agreement with Guangfa Bank on 20 15, and Guangfa Bank managed the transaction funds on pleasant loan platform, separating the user funds from the platform funds and better protecting the interests of funders. In addition, according to the requirements of the agreement, Guangfa Bank will regularly issue fund custody reports.
Pleasant loans not only increase innovation in risk control and compliance management, but also constantly increase innovation in products, such as one win, rising year by year, and elite standards. And provide different product requirements according to different types of customers, so that more people can enjoy safe and convenient financial services. After several years of rapid development, pleasant loan platform was listed on the New York Stock Exchange in June 20 15. The cumulative number of registered users has exceeded 7 million, and the transaction amount has exceeded 20 billion, which is growing rapidly.
1, Introduction of Pleasant Loan Products
Pleasant loan borrowers are mainly urban white-collar workers, who mainly provide personal credit loan consulting services. After several years of rapid development, pleasant loan platform has a variety of loan models.
2. Extreme speed mode
Pleasant loan platform makes use of the data accumulated by its own system and the parent company to increase innovation in risk control, and optimizes the approval process and risk control model by using various data channels. Pleasant loan platform uses its own data advantages to launch a loan speed model. The extreme speed mode mainly uses the platform risk control system to judge the borrower's repayment ability and credit rating. Users don't need to submit proof of property, just log in to Yirendai APP, and Yirendai will analyze the customer's data, determine the user's credit rating, and quickly complete the audit.
3. Happy loan financing
Pleasant loan financing is one of the loans of Pleasant Loan Platform, which provides convenience for both borrowers and borrowers. Fund lenders can lend funds to users in need through the pleasant loan platform. In addition, pleasant loan platform cooperates with banks to conduct fund custody, providing a true and transparent transaction process for transactions. In order to better protect the rights and interests of investors, Yirendai has set up a risk reserve fund mechanism.
4. Yiding Camp
Yirendai launched a one-stop financial consulting service-a win-win situation. Yidingying helps lenders to choose the right elite target for centralized lending through intelligent bidding and circulating lending, which greatly shortens the bidding process of users, shortens the time of capital occupation, saves time costs for users and improves the utilization rate of funds. A win-win innovative service model not only greatly shortens users' time, but also helps lenders get rich returns.
Pleasant loans are increasing.
Pleasant loan is a wealth management product with increasing annualized rate of return and flexible investment cycle. The annual rate of return will increase month by month, with strong liquidity. Investors can realize the amount at any time according to their own situation.
Pleasant loan uses mobile internet technology and big data technology to innovate risk control mode. By using multi-dimensional data information, the data is compared with the data authorized by users, and strong data support is provided for the risk control model through credit information system and data model, intelligent decision-making and cloud technology.
1. 1. Folding technology promotes the development of the industry.
Pleasant loan platform takes a large number of user data as credit basis, uses matrix model to comprehensively analyze data from multiple angles, uses intelligent technology to guide product optimization and operation, and arranges supervision from multiple angles to achieve 360-degree security.
1.2 Folding is safe and transparent
In order to achieve safe and transparent supervision, Yirendai reached a cooperation with Guangfa Bank, and set up a trading fund custody account, a risk reserve fund mechanism and a service fee account in the bank. Every fund of Pleasant Loan Platform is fully managed by Guangfa Bank, effectively isolating user funds and platform funds. Guangfa Bank and Yirendai match the user's funds and loan information at the same time to ensure the authenticity and security of the transaction.
1.3 risk control innovation based on big data technology
The development of Internet finance has promoted the innovation of traditional finance, and the development of Internet technologies such as big data and cloud computing has provided the basis for technological innovation for P2P industry. For P2P industry, risk management is the key to P2P platform management and an important guarantee for investors' safety. How to control credit risk and anti-fraud is a challenge for pleasant loan platform.
The key to the risk control mode of "extreme speed mode" of pleasant loan is to use big data technology to establish a risk control model suitable for users through different data adoption methods and different analysis angles. The risk control model of Yirendai platform is a unique big data risk control model created by the risk control team of Yirendai using the user data accumulated by its own platform and the data accumulated by the parent company CreditEase. The model can filter and analyze user data from multiple angles, and can quickly and accurately analyze customers, thus helping users to quickly determine the credit line. The big data risk control model of Pleasant Loan not only improves the level of products and services, but also improves the efficiency of credit risk control.
2. 1 Fast Borrowing Mode Based on Big Data
As an Internet financial platform, Pleasant Loan provides users with financial management and loan services by using Internet technologies such as big data, Internet of Things and cloud computing, and promotes the innovation of financial products and services through Internet technologies. Pleasant loan is an intermediary, which mainly provides a trading platform for fund demanders and lenders. For capital demanders, borrowers are concerned about how to get the needed funds quickly. The borrowing mode of pleasant loan aims at the key points that users pay attention to, adopts big data technology, and innovates a fast borrowing mode to solve the problem that users are in urgent need of funds.
With the continuous innovation of Internet technology, the Internet has penetrated into people's daily life. As the "leader" of P2P industry, Yirendai took the lead in accelerating the layout of the Internet field in the industry, and launched the world's first mobile lending platform, which realized the online operation of the whole process, met the needs of investors for their own fund management, met the needs of users and improved the user experience.