1. Henan Zhongyuan Consumer Finance Co., Ltd. (hereinafter referred to as "Zhongyuan Consumer Finance Company") was established at the end of 20 16. It is a national non-bank financial institution approved by China Banking Regulatory Commission. Established by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd. ("China Minsheng Investment" wholly-owned holding company). The company is headquartered in Zhengdong New District, Zhengzhou City, Henan Province, with an initial registered capital of 500 million yuan, and has launched two product systems: "raising money to spend" and "raising money to pay".
Adhering to the concept of "benefiting consumption and enjoying life", relying on shareholders' strong financial strength, excellent management team and strict risk control ability, Zhongyuan Consumer Finance Company will dig deep into sub-sectors closely related to residents' lives, and make rational use of shareholders and third-party resources around key target markets such as renting houses, home improvement (decoration, furniture, etc.), learning cars, home appliances, tourism, digital products, business trips, education and training, health, etc. Committed to providing individual consumers with consumer installment and credit loan services through technological innovation, channel integration and big data application, building a consumer finance ecosystem, meeting customers' demand for a better quality of life, giving consumers a good consumer experience with brand-new consumer finance scenarios, and practicing the "inclusive finance" with practical actions.
Second, the loan products of Zhongyuan consumer finance include: elite loan, provident fund loan, Leju loan and UnionPay commercial loan-raising money. As long as you meet the loan conditions, you can apply for one of them. Many users are worried about the routine of Central Plains consumer finance. In fact, as long as the loan requirements of Zhongyuan Consumer Finance are met, the loan can be successful through the loan review, and there will be no fees if it is unsuccessful.
Three, the central plains consumer finance loan products have two kinds:
1. cash withdrawal: it is a pure online consumer loan product, that is, online loan. There are three loan models for withdrawing money: elite loan, provident fund loan and UnionPay business-withdrawing money, with different target customers:
(1) elite loans, mainly for high-quality enterprise employees to provide loan services.
(2) Provident fund loans mainly provide loan services for customers who deposit provident fund.
(3) UnionPay business-raising money, mainly using credit cards to provide loan services for customer service.
2. Cash withdrawal payment: it is mainly aimed at the installment service of customers in specific consumption scenarios, that is, offline loans.