In today’s society, people’s consumption concepts are very different from those in the past. Installment consumption is a very popular installment method nowadays. When many users are shopping, they may not be able to pay so much at the moment, so they will choose the installment method. Whether it is an installment loan or other loan types, there are certain risks, so people should be more vigilant and consume rationally. Before making a loan, you should understand whether the platform is formal to ensure that your own rights and interests are protected in the future. Fenqile is an installment loan platform established in Shenzhen in 2013 and operated online only after being inspected by the China Banking Regulatory Commission and authorized by the National Credit Information Center. So is installment music formal?
1. Is installment music formal?
The formality of installment music can mainly be considered from the following three points:
1. Fenqile was founded by Shenzhen Fenqile Network Technology Co., Ltd. The company’s registered business scope with the Industrial and Commercial Bureau includes e-commerce, so the Fenqile platform is a project approved by laws and regulations.
2. Fenqile has passed more than 120 reviews of website filing information, domain name registration information, company registration information, website identity information, etc. The validity period of this information is October 23, 2020, and the current registration information of Fenqile is within the validity period.
3. In the authoritative database of China Net’s trusted website, Fenqile can pass the verification. At the same time, everyone can see Fenqile’s ICP filing information, industrial and commercial registration information, identity certificate information, trademark registration information, etc.
2. How to judge whether a lending platform is reliable
1. Choose a mature lending platform. For example, the lender can judge from details such as platform background, scale, operating time, and registered capital. Check the lending platform specifically.
2. Whether the funds are kept in bank custody. A platform with bank custody is a necessary condition for compliance, which can greatly avoid the platform's self-financing and the establishment of a capital pool. The online loan bank depository system was officially launched as early as February 26, 2017. It is also one of the first platforms in the industry to access bank depository.
3. The platform’s risk control system. Risk control is the cornerstone of the development of lending platforms. Take Y.net Loan as an example. Through integrated intelligent risk control solutions, the platform can use big data modeling, anti-fraud technology, machine learning and other technologies to achieve pre-loan and loan Comprehensive risk management after loans are provided to minimize the risk of fraud and default.
To sum up, Fenqile is approved by law and is a formal platform. Fenqile has passed hundreds of audits and can be verified on China Net Trust Network. It also has filing information, identity certification information, trademark registration and other information. It is also a platform that has a lot of positive reviews and provides help to its users. When it comes to how to judge whether a platform is reliable, we should pay attention to the strength of the platform, whether the funds are kept by a bank, and the platform's risk control system, which can be used to distinguish authenticity from fake.