I. Long-term loans

Good-term loan is an Internet credit loan product under Zhaolian Finance, with a maximum application of 200,000 yuan and a maximum loan term of 36 months. Good-term loans can be applied through Zhaolian Financial APP and WeChat official account, and Zhaolian Finance can cooperate with China Merchants Bank and Alipay, or you can apply for good-term loans on these platforms.

Second, long-term loans.

Large loans are suitable for users with good personal qualifications and high wages. Large loan is a kind of one-time large cash loan service, which will be invalid once it is used.

Third, white-collar loans

White-collar loans are suitable for employees of high-quality white-collar enterprises, and white-collar loans are financial services with large revolving cash loans.

In addition, Zhaolian Finance also includes Internet consumption installment products such as credit payment to provide users with fast, safe and convenient Internet credit consumption payment methods. Credit payment can enjoy interest-free for up to 40 days and installment service for up to 24 periods.

Zhaolian Finance is a comprehensive financial application launched by Zhaolian Consumer Finance Co., Ltd., a pure online credit lending platform. Zhaolian Consumer Finance Co., Ltd. was established by China Merchants Bank and China Unicom, two Fortune 500 companies, with the approval of China Banking and Insurance Regulatory Commission. It is the first consumer finance company established in China under the framework of CEPA, with a registered capital of 3,868.96 million yuan.

Zhaolian Finance has two major consumer financial product systems, namely "good loan" and "credit payment", providing users with universal consumer credit services with no guarantee and low interest. At present, Zhaolian Finance has comprehensively covered shopping, tourism, education, decoration and many other consumer scenes, serving tens of millions of customers and covering a vast area of the country.

Headquartered in Shenzhen, Guangdong Province, it officially opened on March 6, 20 15.

In February 2022, Zhaolian Consumer Finance Co., Ltd. was fined 2.9 million yuan by the China Banking Regulatory Commission for eight illegal facts, including improper collection behavior and careless product pricing management.

The China Banking Regulatory Commission pointed out that the illegal behavior of recruiting consumer finance involves exaggerated and misleading marketing propaganda; The quality and price of platform service fees are inconsistent; Product pricing management is not prudent; Risk management of cooperative merchants is not in place; Failing to report the off-balance-sheet risk exposure of joint loans; Improper collection behavior; The review of consumer rights protection is not standardized; If the management of consumer complaints is not in place, it shall be punished according to Articles 21 and 46 of the Banking Supervision Law of the People's Republic of China and relevant prudent business rules.

In this regard, the relevant person in charge of Zhaolian Consumer Finance said that the relevant matters originated from the inspection notice on consumer rights protection issued by the China Banking Regulatory Commission in June 5438 +2020 10. In the process of on-site inspection, the company immediately investigated and rectified, formulated rectification plans and specific measures, and continued to intensify rectification, establishing a long-term mechanism for consumer rights protection. At present, all the rectification work has been completed according to the regulatory requirements. The related problems pointed out by the supervision and inspection reflect that the company is in the initial stage, and there are some places that need to be standardized and improved in the development process. The company will learn a profound lesson from the punishment, strictly implement the regulatory provisions, improve the construction of institutional mechanisms, incorporate consumer rights protection into all aspects of the company's business development, further improve the compliance management level of consumer rights protection, and provide consumers with safer, more convenient and high-quality consumer financial services. .