Du Xiaoman Finance, also known as Baidu Finance, is a brand-new brand that has been operating independently since 2065438+April 2008. It has not only loan service brands with money to spend, but also products and services such as Du Xiaoman Wealth Management, Du Xiaoman Fund, Du Xiaoman Insurance Broker and Du Xiaoman Wallet Payment. So, is the small full loan safe? Let's analyze it together.
Is a small full loan safe?
Xiaoman loan mainly refers to its "money-rich" loan platform. Whether the small full loan is safe can be seen from the following aspects:
1, from the company background.
Du Xiaoman holds a formal business license. The company name is Chongqing Du Xiaoman Information Technology Co., Ltd., which is wholly owned by a legal person with a registered capital of 300 million yuan. At the same time, it has obtained formal licenses for payment business, securities and futures business and insurance intermediary business, and displayed them in official website in an open and transparent manner.
2. From the source of funds.
Du Xiaoman's partners are mainly China Agricultural Bank, Postal Savings Bank, China Everbright Bank, Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Bank of Guangzhou and other formal banking institutions, as well as China Post Consumer Finance, Yin Bei Consumer Finance and other institutions with formal financial licenses to provide services for everyone, which is safe and reliable.
3. In terms of product characteristics.
If you have money to spend, refuse to apply for loans from 18-year-old college students, and strictly abide by national laws and regulations. The maximum amount of loan products is 200,000 yuan, which is purely online and unsecured. It can be approved in 30 seconds at the earliest and received in 1 minute at the earliest. Interest will be calculated on a daily basis and the loan can be repaid in advance. Interest will only be calculated until the day when the loan is settled, and the loan can be recycled after repayment.
4. From the perspective of security.
As a financial technology company, Du Xiaoman can make full use of Baidu's AI advantages and technical strength to monitor and guarantee the whole loan process. At the same time, every time he has money to lend, he needs to check the password and other verification items, and he can only lend it to the bank card under the lender's own name, so users can use it with confidence.
The above is about "Is the small full loan safe?" I hope I can help you.
Is it reliable to borrow small loans?
Xiaoman Finance is legal. It is a legal lending institution approved by China Banking and Insurance Regulatory Commission.
Xiaoman Finance is the original Baidu Finance. 2065438+In April 2008, Baidu Finance completed the signing of the split financing agreement and launched a brand-new Xiaoman Finance. Du Xiaoman Finance has deep cooperation with many banks and other financial institutions, and is committed to providing users with reliable and reliable financial services. Its main products and services are rich flowers, small wealth management (formerly Baidu Wealth Management) and small wealth management (formerly Baidu Wallet) APP products and services, as well as financial technology capabilities exported to financial institutions and other partners. At present, there are more than 500 cooperative financial institutions.
The "money flower" of Xiaoman Finance is the credit service of Xiaoman Finance (formerly Baidu Finance). Chongqing Duxiaoman Microfinance Co., Ltd. is the main lender of Qianhua loan products. It is a non-deposit lending institution established in compliance with regulations and supervised by CBRC and local governments. All loan products are filed in strict accordance with regulatory requirements.
Is microfinance financing legal? Is it reliable to borrow money? Is the interest on small loans high? What are the conditions for microfinance?
Xiaoman Finance predicts that the daily interest rate of Easy Loan will start from 0.02% (that is, the annualized interest rate will start from 7.2%, and the lowest interest rate of loan 1 0,000 will start from 2 yuan every day). Personal interest rate is calculated by the system according to the information submitted by users and their personal credit information. Everyone's interest rate is different, so if you want to check your own interest rate, the system will automatically give the quota and interest rate after the application is passed.
Generally speaking, Du Xiaoman Finance is a one-stop professional, comprehensive and reliable Internet financial service platform with good security. At present, Xiaoman Finance has cooperative relations with banks, insurance companies, securities companies and consumer finance companies. As a big platform, Duxiaoman Finance is a powerful financial service platform with advanced risk control system, which can ensure the safety of users' funds.
Xiaoman Finance will never ask users to transfer money first for any reason, such as the need to verify funds, the need to unfreeze accounts, the need to pay membership fees, and the need to pay a deposit. Beware of being cheated.
Is it reliable to spend a little money?
It is very formal to have a small financial system.
At present, it is quite reliable to issue financial loans to Xiaoman. Du Xiaoman Financial Loan refers to a professional credit service brand "Money Spend" launched by Du Xiaoman Financial.
"Qianhua" is a credit service brand launched by Du Xiaoman Finance (formerly Baidu Finance). Its original name was Baidu Qianhua, and it was officially renamed as "Qianhua" in June 2065438+2008. It's a big brand, very reliable, and the interest rate is relatively low.
Licensed financial institutions, such as United Bank and consumer finance companies, have the money to provide services to borrowers. The source of funds is authoritative and professional, and the password is also reviewed every time the loan is made. The loan can only be placed in the bank card in the borrower's own name.
Apply with ID card and bank card (except for college students). The maximum loan amount is 200,000, the minimum annualized interest rate is 7.2%, and the fastest time is 30 seconds. 1 minute.
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began on 20 13. In 20 15, the existing financial business will be integrated into a financial business group, and the financial business will be promoted to Baidu's strategic position, and Baidu's senior vice president will be fully responsible.
The project plans to build a "sustainable development innovation service center" (hereinafter referred to as the "innovation center") at the county level, and provide support for the financing of small and micro enterprises in rural areas through the digital industrial service platform.
On 20021September 10, China Small and Medium Enterprises Association and Xiaoman Finance jointly established the Microfinance Branch. Under the guidance of China Small and Medium Enterprises Association, the branch will take the service of member enterprises, small and micro enterprises and individual industrial and commercial households as its purpose, and make full use of technologies such as big data artificial intelligence to reduce the financing cost of small and micro enterprises;
Join hands with financial institutions to provide multi-level financial support for the development of small and micro enterprises, including low-interest credit loans; Intensive farming services in different regions and industries provide financing support for small and micro enterprises to adapt to the industry.
General situation of operation
Xiaoman Finance has set up four business segments, namely, credit, wealth management, payment and financial technology, and two open ecosystems, namely, credit financial technology and financial technology.
With the overall strategic goal of "building a financial service platform and building a financial technology ecology", Du Xiaoman Finance has built two platforms of consumer finance and wealth management through its own business to help financial institutions transform;
In the future, by exporting financial technology, we will provide financial technology solutions and build a financial technology ecosystem with ecological partners.
It is reported that the artificial intelligence algorithm of Xiaoman Finance can identify more than 300,000 risk indicators and reduce the credit risk by 25%. At the same time, intelligent risk control technology is used to increase the price for small and micro enterprises. Since 2020, per capita deposits have increased by 35%, and the average interest rate has decreased.