360 Finance summarizes many lending institutions, including state-owned banks and commercial banks. You can use it safely.
20 16 On June 24th, 360 Finance, the financial business of Qihoo 360, made its debut. As can be seen from official website, 360 Finance will conduct business in four financial fields in the near future: wealth management, loan, insurance and investment. In the wealth management business, 360 Finance has launched three products: the mass wealth management platform "Your Wealth", the crowdfunding platform "360 Gold Rush" and the high-end wealth management platform "Private Banker". Among them, "Your Wealth", as the first product of 360 Finance, was launched in August 20 15, and by June 20 16, the turnover exceeded 40 billion. "360 Gold Rush" was launched in February, 2005, and its turnover has exceeded 100 million. The high-end wealth management platform "Private Banker" completed the B round of investment shortly after it went online, and now it is owned by 360 Finance and has become one of the main wealth management services.
As far as I know, 360 Finance will make full use of "360 Credit Information Big Data" as an important guarantee for business risk control. On April 20 16, the construction and demonstration application of 360 Credit Information Big Data Platform was officially approved by the National Development and Reform Commission.
The reply said that 360 will use big data technology and its own infrastructure to share with the society and push it to the national credit information sharing platform on the premise of objectivity and fairness, and the platform will handle it for reference by relevant government departments. At the same time, 360 Finance also has user credit data support from other institutions, which provides strong data support for risk control of 360 financial business.
In addition, 360 Finance has set up a professional team to conduct risk control and data processing to ensure product safety. According to 360 Finance, the financial risk control team consists of experts from China Merchants Bank, Weizhong Bank, China Ping An, McKinsey and other professional institutions, and adopts bank-level risk control standards to review the basic assets.
Recently launched consumer credit products, relying on the powerful technical advantages of 360, set up a top technical team to analyze and process credit big data. Technical experts screen Internet users' behaviors and social data from user information big data, combing and analyzing with third-party credit data, and comprehensively auditing consumer loan applicants by using identity authentication and face information recognition technology to reduce fraud risk and credit risk, and control the non-performing loan ratio of consumer loans below 1%.
I have said that 360 wealth management products are still very safe. But as far as I know, the income of 360 Financial's wealth management products is relatively low, only 5%, and the effect of wealth appreciation is limited. I suggest that investors can properly configure some p2p wealth management products during 360 financial management to make their wealth increase faster. For example, the "Personal Tailor-made" p2p platform is the first platform in the online loan industry that does not mosaic all the information of borrowers, allows investors to analyze their investment risks, draw objective investment decisions, and publicize the capital direction of each loan. The annualized rate of return of the platform is 1 1%- 15%, and the investment period is 1- 12 months, which is the best choice for short-term investment.