360 IOU is an unsecured and pure online consumer credit platform launched by 360 Finance, focusing on providing instant loan services for individuals and small and micro enterprises. If you apply for a loan on a smartphone loan platform (Alipay, JD.COM Gold Bar, 360 IOUs, etc.), you will receive a credit report and the loan must be paid off.
Applying for loans, including bank loans and online loans, including mortgage loans, car loans and consumer loans, including mortgage loans, credit loans, loan guarantees and credit cards, will be investigated by credit investigation, which is the requirement of regulatory agencies.
The personal credit report information of China People's Bank includes:
1. Personal basic information that identifies an individual and reflects his family and occupation.
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers.
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions.
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers.
5. Other information related to personal credit.
360 IOUs
360 IOU is a microfinance platform under 360 Finance. 20 16 started to provide services in September. It evaluates customers based on big data and provides consumer financial services on this basis.
The application amount of 360 IOUs is granted according to various cumulative consumption and repayment behaviors of users on the platform. The user's behavior is dynamic, so the credit limit changes accordingly.
360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations.
As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, excellent talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.
360 IOUs also actively use modern information technology on the Internet to combine advanced face recognition technology with big data approval model to enhance user experience. Without any complicated operation, the customer can complete the face shooting and comparison process in 5 seconds, and then their background combines with the face scoring application to lock the real identity of the customer on the basis of integrating other credit reporting methods, which can bring customers a more efficient experience.