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Gome Easy Card is a loan service in the APP, so is Gome Easy Card a formal loan platform? Whether the loan platform is formal or not is particularly important for borrowers. Informal platforms may have illegal charges and personal information leakage, while formal lending platforms avoid these things. Next, Bian Xiao will tell you whether Tik Tok is a formal lending platform.
1. Loans from licensed financial institutions
As an operator of secured loans, Shenzhen Lexus Chen Xing Technology Co., Ltd. provides Internet information and technical support. Lending institutions with legal qualifications will provide lending services for safe lending. As long as the lending institution is a licensed financial institution, the source of borrowing funds is guaranteed. If the lender does not have a financial license, then it is illegal to rest assured that the loan is illegal.
2. Compliance management is trustworthy.
Do not provide loan services to minors, college students or users without full capacity for civil conduct. Users need to ensure that 18 is over one year old and has full capacity for civil conduct but does not belong to college students. Starting from the loan conditions, the loan is indeed legally operated in accordance with the regulations, and no loan service is provided to minors and college students.
3. Audit needs to inquire about credit information.
When applying for a credit line, users need to authorize Shenzhen Zhongrong Microfinance Co., Ltd. and its cooperative institutions to inquire about users' personal credit reports. According to relevant regulations, loan records need to be uploaded to the credit information system of China People's Bank. Therefore, it is safe to check the personal credit report when applying for the loan amount and auditing, indicating that the loan is a formal loan, so it will be fully connected with the PBOC credit information system.
4. The audit requires facial verification.
Shenzhen Lexus Chen Xing Technology Co., Ltd. will collect the user's face information according to the agreement, and confirm the user's identity in the loan scenario based on the uniqueness of face information as the inherent physiological characteristics of the human body. Pedestrian authentication can improve the security of loans, so that even if users' personal information is stolen, criminals will not pass face authentication and loans will fail.
5. Personal information is encrypted in the whole process.
Tik Tok is assured that it attaches great importance to information security, and strives to provide protection for user information security to prevent user information from being improperly used or being accessed, used or leaked without authorization. Tik Tok uses encryption technology, anonymous processing and other means to protect users' personal information. Moreover, there is a special data security department, security management and payment, and a process to ensure the safety of users' personal information. Although the Internet industry can't guarantee 100% information security, the systems and networks used for lending services are under their control.
6. Overall monitoring of loan funds
After the loan is assured, users will be supervised throughout the whole process not to use the funds for purposes prohibited by laws and regulations such as stock investment, house purchase and mortgage repayment, and the loan funds can only be used for daily consumption. If it is found that there are security risks in the transactions or behaviors of users in the process of using security loans, the system will stop users from using security loans for specific transactions, or even terminate all security loan services.
Summary: According to the analysis of the above six aspects, Tik Tok is a formal lending platform. Users can also analyze from the above aspects when judging whether the loan platform is formal.