From a background perspective:
"Youhuagan" is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance), which is reliable and has low interest rate. Youhua Huawei Volkswagen provides personal consumer credit services and creates an innovative model of consumer credit. Relying on Baidu technology and scenario advantages, it uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe Internet credit services.
From the product point of view:
At present, Fuguihua mainly promotes Fuguihua's easy loan and Fuguihua's easy loan, with a daily interest rate as low as 0.02%, loan 1 10,000, and 2 yuan's daily interest rate, while credit card's daily interest rate is 0.05%, loan 1 10,000, and the daily interest rate is 5 yuan. Spend money-enjoy the loan, and the monthly rate is as low as 1.00%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
From loan amount:
How about having money to spend on loans? The maximum loan amount for easy loan of Huabai is 200,000, and the maximum loan amount for exclusive loan of Huabai is 300,000. The specific loan interest rate and loan amount are determined by the Qianhua system according to the borrower's personal situation, and the loan amount and loan interest rate of different users may be slightly different.
From the application point of view:
At present, Qianhua only lends money to non-college students who have reached the age of 18 and have a stable income. Baidu Money Flower will use Baidu's artificial intelligence technology and Baidu's big data system to conduct risk assessment on borrowers.
From the perspective of credit report:
When the user applies for a loan with money, the system will ask the borrower to make a credit inquiry, and the result shows that the money is in credit. If it is overdue, the credit will leave a bad record.
The above content is about the introduction of how to spend money on loans, hoping to bring some help to everyone.