Haier Dai Yun is a company registered on 20 14. Its full name is Chongqing Haier Microfinance Co., Ltd. The main investors are China Merchants Capital and Haier Group. But specifically, it belongs to Harkin Holdings, which is the financial platform of Haier Group and positioned in the investment banking mode of industrial finance.
Haier Cloud Loan Company is committed to providing customized financial solutions to customers with a dual-drive development model of "technology+platform", covering a wide range of business. Haier's cloud loan business has the titles of "wide coverage" and "extreme experience", which is closely related to its financial technology capacity building. With the wide application of emerging technologies such as computing, big data and Internet of Things in the financial field, financial technology is reshaping the ecology of the financial industry with a rapid trend.
Haier cloud loan has always insisted on walking with the times.
Its main business must still include loans. As we all know, the formal loan process stipulated by the state mainly includes pre-loan investigation, loan approval, loan issuance and post-loan management. Then the loan process of the company loan platform is in line with the requirements of the formal process. The loan application conditions of its products also include: a natural person with the age of 18-65, a stable occupation and income, and the ability to repay the loan principal and interest on time. Generally speaking, the process is more formal. As for the development of Haier Cloud Loan Company, according to the relevant news of FinX Technology, the relevant documents issued by Harkin Holdings disclosed the latest achievements of Haier consumer finance and Haier online small loans.
It is noteworthy that Harkin's online small loan company, Chongqing Haier Microfinance Co., Ltd., also known as Haier Cloud Loan, surpassed Haier Consumer Finance Company in revenue and net profit in the first three quarters of last year, with a turnover of over 100 million yuan.
This is a very gratifying achievement, but we also know that the profit of online lending business is also quite large. Although Haier Cloud Loan is not a loan product of a bank financial institution, it is a unit supervised by the China Banking Regulatory Commission, and it only started to operate online with a formal financial business license, so Haier Cloud Loan is a very reliable loan product. Moreover, Haier Cloud Loan is a pure credit loan product, mainly based on the applicant's credit rating, so it is often found that the higher the credit rating, the higher the loan amount will be. At the same time, Haier Cloud Loan also provides a revolving loan system, so as long as the applicant repays in accordance with the repayment regulations during the first loan period, he can have the right to apply for a second loan, and the loan amount will be adjusted according to the use of funds.