1. For buyers, by supervising the transaction funds and then unfreezing them after the transfer, risks such as malicious fraud by the seller and failure of both parties to cooperate with the transfer after the funds are delivered can be effectively avoided. The security of transactions is guaranteed. 2. For sellers: 1. Through fund supervision, the safety of the transaction is ensured, which dispels the concerns of the buyer and promotes the smooth progress of the transaction; 2. The transaction funds are transferred into the supervision account in advance to ensure that the buyer has enough funds to purchase the house. The risk of the buyer interrupting the transaction is avoided and the legitimate interests of the seller are ensured.

"Ping An Yidai Insurance" is a new mortgage-free loan product launched by Ping An Group of China. It is a credit guarantee insurance product for ordinary residents to carry out unsecured loan business. As long as the insurance is successful, the policy holder can apply for a small loan (10,000-150,000) issued by a cooperative bank. No mortgage or guarantee is required. The procedure is simple, the term is flexible, the approval is fast, and the comprehensive interest rate is super high.

"Ping An Yidai Insurance" was previously piloted in Shenzhen, also known as "Principal Yidai". It is directly lent by Ping An Trust and has 18 business outlets. In the past two months, the average loan amount was 120 million, with an average of 120 million yuan. 7,000 customers apply for loans every month, and about 4,500 customers receive successful loans. The approval rate reaches 65%. Most customers are approved for 10,000-40,000 yuan, and a few are approved for 40,000-60,000 yuan. A very small number of high-quality customers can be approved. The amount is 70,000-100,000 yuan.