At present, Ping An Pratt & Whitney has established a set of risk control management mechanism including credit risk management and credit management system. It includes a central risk control mechanism that runs through the whole process of credit granting before, during and after the event, and adopts a periodic risk management method to dynamically monitor customer information in an all-round and uninterrupted way through three lines of defense: the regular business department, the approval risk control center and the risk control department. In addition, Ping An Pratt & Whitney has accumulated the advantages of big data over the years to innovate the risk control model and learn from the leading technology of the international consumer credit industry, constantly optimizing our risk control model, allowing customers to obtain more dimensional evaluations in the model, and constantly improving the central risk control management mechanism of credit risk management and loan review and credit management system.
At the same time, the scorecard model used by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, combines its own accumulated business data for many years, and comprehensively evaluates customer risks based on credit records, customer natural attributes and third-party big data information.
In the network loan, we should pay attention to several matters:
1. First of all, formal loans do not need to pay deposit or interest in advance, and withholding interest is also against relevant laws and regulations;
2. When choosing an online lending platform, if the other party directly or in disguised form requests to pay the "pre-loan fee", which does not meet the relevant regulations, be vigilant;
3. Secondly, regular small loan companies generally do not engage in cross-regional loans;
4. In addition, it is best to know the real situation of small loan companies behind the platform before lending to prevent being deceived.
1. Ping An Pratt & Whitney is divided into three business divisions: unsecured, guaranteed and small and medium-sized enterprises, but unsecured business is still the largest business by far, accounting for more than 80% of Ping An Pratt & Whitney's overall business. Among them, Internet I loan products are more familiar to the market.
2. I loans that can be applied on the app have been greatly optimized in the application method and loan process. Not only is the threshold low, 18 years old or older can apply. Only the interest rate is high, and the daily interest rate reaches one thousandth. That is, a loan of 2,000 yuan needs to be paid back two yuan a day.
3. In addition, through the pioneering o2o2o business model, E-loan on app has achieved the fastest loan service from customer application to loan completion, and the fastest time is only 1 day, which saves the time for offline travel and is also very convenient for mortgage loans. The annualized interest rate starts from 10.7%, with a maximum of 500,000.