360 IOUs. 360 IOU is a formal and reliable pure credit loan platform launched by 360 Group, which can easily lend 6,543,800 yuan. Zhanjiang, formerly known as "Guangzhou Bay" or "Port City", is a prefecture-level city in Guangdong Province, People's Republic of China (PRC), located at the southernmost tip of Chinese mainland, at the junction of Guangxi, Guangdong and Hainan provinces, and in the southwest of Guangdong Province.