However, if it is because of the high debt and frequent borrowing before, leading to long-term borrowing, big data (credit information) has become "spent". It is recommended to keep the loan for at least three months, during which you can repay the debt under your name. After three months, the situation that big data (credit information) is spent will be improved, and the personal debt ratio will be reduced. If you borrow it again then, you may be able to pass the examination and evaluation smoothly.
360 IOU is a personal and microfinance platform under 360 Branch (formerly 360 Finance). It was launched in September 2065438+2006. Based on 360 big data, the credit of customers is evaluated, and instant consumption loans are provided on this basis.
On July 7th, 202 1, the core product of QFIN. US, a financial technology company listed in the United States, has been removed from several application stores. The pre-market decline of the 360 target expanded to 20%.
The advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team.
360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations.
As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, excellent talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.
360 IOUs also actively use modern information technology on the Internet to combine advanced face recognition technology with big data approval model to enhance user experience. The face shooting and comparison process can be completed in 5 seconds without any complicated operation by the customer, and the real identity of the customer can be locked by combining the background face scoring application and other credit reporting methods, which can bring more efficient experience to the customer.
At the same time, 360 IOUs have established strategic cooperative relations with a number of licensed financial institutions.
As one of the largest Internet security companies in China, 360 has a leading high-level security technology team in China. On this basis, a number of senior personnel who have been deeply involved in the financial industry for many years have been introduced from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications and Bank WeChat.