First, the degree of Xiaoman Finance
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. In the era of smart finance, Du Xiaoman Finance will give full play to Baidu's AI advantages and technical strength, and join hands with financial institution partners to provide more people with reliable financial services through technology. In other words, Xiaoman Finance no longer provides loan products, but its rich flowers provide personal credit services to the public. Among them, Xiaoman Finance and Xiaoman Insurance Broker provide fund investment and insurance purchase services respectively. If you want a loan, you can look at it and have money to spend.
Second, even if you borrow money from a formal platform, you must control yourself.
Although Baidu is a big company with a long history of development, many people feel at ease in the face of such a company, so it is meaningless to abuse the loan software to borrow money. Because no matter how formal a company is, it involves a basic financial knowledge, that is, by inducing people to borrow money to earn profits, and then in this process, borrowers need to pay interest. Therefore, even if you borrow money on a formal platform, don't be too presumptuous.
Third, learn to use the national student loan reasonably.
In fact, the state attaches great importance to education and has invested a lot in education, so many times education problems can be solved through policy assistance. For example, student loans come not only from students' places of origin, but also from schools. At the same time, many schools also provide work-study programs, grants and scholarships. As long as your academic performance is good enough, you don't have to worry about these problems.