Ping An Pratt & Whitney, namely Ping An Pratt & Whitney financial business cluster, is the integration of Ping An Easy Loan, Ping An Direct Loan under China Ping An Group and P2P business under lufax. According to the business scale, Ping An Pratt & Whitney Financial Business Cluster is the largest consumer finance company in China.
Ping An Pratt & Whitney Financial Business Cluster is the general name of the companies that carry out financing guarantee, financing consultation, microfinance and other businesses under the joint venture company of China Ping An Group, and it is not a single company. Inclusive finance provides better, more convenient and safer financial services for the general public.
Inclusive finance means that finance generally benefits all groups, especially providing financial services to poor areas, ethnic minority areas, remote areas, disabled people and other vulnerable groups. Inclusive finance emphasized that he was more inclined to weak areas, but it was not a public welfare act.
Inclusive finance is rich in connotation, which can provide consumers with services such as account opening, deposit, electronic payment, convenient social welfare, loan and insurance. Inclusive finance allows more people with little or no contact to obtain financial information and financial services.
In August, 2005, China Ping An Group started the micro-consumer credit business in Shenzhen. 20 18 launched the "non-insurance mode" to further expand the business of Ping An Pratt & Whitney Financial Business Cluster and provide financial services to more consumers.
Is Ping An Consumer Finance Ping An Bank?
Ping An Consumer Finance is the system of Ping An Bank, both of which are subsidiaries of Ping An Group and belong to the Ping An financial system.
On April 9, 2020, Shanghai Supervision Bureau approved the opening of Ping An Consumer Finance. From the approval of the preparation to the approval of the opening, the actual preparation time of Ping An Consumer Finance only took 140 days, which almost set the fastest record for the preparation and opening of consumer finance.
It's lightning fast, so we must be prepared, and it is Ping An (Insurance) Group, an efficient financial crocodile, that has surfaced.
By the end of 20 19, Ping An Group had 50160,000 Internet users, 239 million annual active users and 200 million individual customers. It holds seven licenses for banking, securities, futures, insurance, fund, trust and leasing, and its business scenarios cover central bank, public security, inspection, law, medicine, clothing, food, housing, transportation and play.
China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An", "China Ping An Insurance", "China Ping An Insurance Company" and "China Ping An Group") was born on 1988 in Shekou, Shenzhen. It is the first joint-stock insurance enterprise in China and has developed into an integrated, compact and diversified comprehensive financial service group integrating financial insurance, banking and investment.
Investment insurance enterprises; Supervise and manage the domestic and overseas businesses of holding investment enterprises; Carry out insurance fund utilization business; Approved to carry out insurance business at home and abroad; Other businesses approved by China CIRC and relevant state departments.
1. The Company operates the following local and foreign currency businesses:
(1) Issuing personal consumption loans;
(2) Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders;
(3) Borrowing from domestic financial institutions;
(4) Issuing financial bonds upon approval.
(5) Domestic interbank borrowing;
(6) Consulting and agency business related to consumer finance;
(7) Acting as an agent to sell insurance products related to consumer loans;
(8) Fixed income securities investment business.
Approved the opening of Ping An Consumer Finance Co., Ltd., whose Chinese name is Ping An Consumer Finance Co., Ltd. and English name is Ping An Consumer Finance Co., Ltd. The company's domicile is Floor 8 1333, Lujiazui Ring Road, Pudong New Area, Shanghai.
Two. The registered capital of the Company is approved to be RMB 5 billion, and the shareholding structure is as follows:
China Ping An Insurance (Group) Co., Ltd. contributed RMB 654.38+0.5 billion, accounting for 30% of the company's registered capital.
Yi Rong Co., Ltd. contributed RMB 6,543.804 billion, accounting for 28% of the company's registered capital.
Wushuang (Shanghai) Technology Service Co., Ltd. contributed RMB 654.38+35 million, accounting for 27% of the company's registered capital.
Jin Jiong (Shenzhen) Technology Service Co., Ltd. contributed RMB 750 million, accounting for 65,438+05% of the company's registered capital.
Does anyone know about Ping An consumer finance?
Ping An Consumer Finance Co., Ltd. was established on April 9, 2020 with a registered capital of 5 billion yuan, of which Ping An Group contributed 65.438+0.5 billion yuan, holding 30% of the shares.
Ping An Consumer Finance is a formal company, which was established with the approval of the Insurance Regulatory Commission of the Bank of China, and provides all-round consumer financial services for individual China residents/young consumer groups. As a consumer finance company with the orientation of "technology+finance", Ping An Consumer Finance explores the use of advanced financial technology to empower consumer finance business, promote the upgrading and reform of financial services, and practice inclusive finance.
1. Loans under Ping An Consumer Finance can be repaid in advance. There is no need to pay liquidated damages for early repayment. As long as the page has prepaid options, users can prepay. In addition, after the user prepays, the remaining principal to be repaid will be reduced, and the interest of the remaining principal to be repaid after prepayment will be recalculated, so prepayment will save interest.
2. Ping An Consumer Finance is not an online loan. Online lending refers to peer-to-peer lending, while the business of consumer finance companies is mainly to issue small loans and personal consumption loans. Although you can apply through online channels, it will not be classified as an online loan. If the whole application process of a loan product is conducted online, then we can call the product an online loan product. Xie Libo, vice president of Ping An Bank's automobile consumption finance center, said: "Affected by the environment, some changes have taken place in customer consumption demand. Among them, the progress of science and technology has played a decisive role, and the rapid advancement of digitalization and intelligence has led to the emergence of new consumption concepts. The market is changing, cars are changing, software is changing and people are changing. Post-70s, post-80s, post-90s and post-00s all have different personalities, which leads to the emergence of new consumption, and the new ecology conforms to the new consumption.
3. With the approval of China Banking Regulatory Commission, Ping An Consumer Finance Co., Ltd. (hereinafter referred to as Ping An Consumer Finance) was established in Shanghai. It is a national popular science consumer finance company that provides all-round consumer finance services for China residents/young consumer groups.
Is Ping An HP Loan Reliable?
Ping An HP loan is reliable. 2065438+August 2008, Ping An Pratt & Whitney was awarded the "Typical Case of China Digital inclusive finance" by the People's Daily Party Media Platform.
Moreover, Ping An Pratt & Whitney is the general name of the companies affiliated to China Ping An Insurance (Group) Co., Ltd. that carry out financing guarantee, financing consultation, microfinance and other businesses. Mainly to assist the majority of small and micro business owners, individual industrial and commercial households, ordinary wage earners to obtain professional loan services, and help the development of China's real economy.
In particular, China Ping An's "inclusive finance" business cluster announced that the integration of its organizational structure and business model has been completed. In terms of business scale, Ping An Pratt & Whitney has become the largest consumer finance company in China. Ping An Pratt & Whitney is a business cluster, and all related businesses will operate under a unified brand and management structure.
Ping An Pratt & Whitney has developed 65,438+02 unsecured products such as owner loans, owner loans and life insurance loans, 5 mortgage loans and Anye loans, and 6 SME loans such as operating loans and standard guarantees. With the help of big data analysis and face recognition technology, it will boost online lending and lend money in 6 minutes at the earliest. The number of its customers will increase from 2 million to 25 million in 20 18, and the loan balance will also increase to 500 billion yuan in 20 18.
Extended data:
Relying on financial technology, Ping An Pratt & Whitney has gradually built an open loan service platform for aggregation technology. With the ability of resource mining, aggregation and matching, we can aggregate the participants with modular advantages in the credit business chain, connect borrowers, credit enhancement parties and investors, and rely on our own online and offline service network and intelligent risk management system verified by more than 65,438+00 years of business experience.
Export basic credit evaluation services to credit enhancement parties and funders, integrate the financial resources of credit enhancement parties and funders, and provide diversified loan service solutions for borrowers. Ping An Pratt & Whitney combines technology with offline financial service system through the aggregation model platform to promote the flow of financial resources to small and micro business owners, individual industrial and commercial households, ordinary wage earners and other people in inclusive finance.
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