Qian Bao is a product that helps users obtain installment consumer credit service. Relying on artificial intelligence risk control technology, through in-depth cooperation with various institutions in the financial services ecosystem, we will provide users with reasonable, efficient and worry-free consumer credit services.

The characteristics of Qian Bao are as follows:

The term of 1. line is more flexible, with a "high line" of 2,000-30,000 yuan, and flexible loans in three, six, nine and 12 periods. The loan amount and repayment period can be defined independently within the scope.

2. The whole process is completed online, which is very convenient. It only takes 3 minutes to fill in the certification information, and after the certification information is completed, it is not necessary to fill it out repeatedly every time you apply.

3. Internet big data mode, automatic machine audit, and extremely fast funding. Collect internet big data, clean and model the data, form a personal credit scoring system, and avoid the cumbersome processes and procedures of traditional financial services. 3-minute certification, one-click application, 30-minute funding at the earliest, and one-click repayment at maturity.

Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and credit information consulting services, helping customers to judge and control credit risks and carry out credit management.

Extended data

The functions of credit investigation are as follows:

1. Guard against credit risk

Credit information reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus playing a role in risk judgment and disclosure.

2. Expand credit transactions

Credit investigation has solved the bottleneck problem that restricts credit transaction and promoted the conclusion of credit transaction. Promote the innovation of financial credit products and commercial credit products, effectively expand the scope and methods of credit transactions, and promote the expansion of the credit economy.

3. Improve the efficiency of economic operation

Reduce the cost of information collection in transactions through professional credit service. Shorten trading time and broaden trading space. It has improved the operational efficiency of economic entities and promoted economic and social development.

4. Promote the construction of social credit system.

Credit information industry is an important part of social credit system construction. The development of credit information industry is helpful to curb the occurrence of bad credit behavior, protect the interests of trustworthy people, maintain a good economic and social order, and promote the continuous development and improvement of social credit system.

Baidu encyclopedia-credit information

Baidu Encyclopedia-Using Qian Bao