First, I am a pure online financial technology product under the Asian financial technology group welab. With the self-developed real-time big data processing platform, I am cooperating with financial institutions, Internet giants and head industry platforms to provide consumer credit services for wage earners and small and micro business owners through data processing, risk management and marketing.
2. I came to the Department of Mathematics under the Microfilm Information Technology (Shenzhen) Co., Ltd., and I came to the Department of Mathematics as my loan. Since the launch of 20 14, it has been focusing on pure online operation. As of September 20 19, it has provided services to more than 40 million users. Through cooperation with financial institutions, internet giants and head industry platforms, it has brought pure online digital consumption to people with high growth potential.
Third, online credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is as follows: the online credit company provides a platform for borrowers and borrowers to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.
Fourthly, in China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything. Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit the project to ensure the principal and interest.
Fifth, it is required that the guarantee scale should match the guarantee amount of the guarantor, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".