Pleasant loan belongs to CreditEase Company and is sold on 20 12. CreditEase was established in Beijing in 2006. CreditEase is mainly involved in inclusive finance, Internet finance and wealth management, and insists on using big data to innovate risk control mode and products and services to provide better services for the vast number of fund demanders. CreditEase has established a strong service network in many cities and rural areas to provide customers with financial innovation technologies such as Internet technology and big data technology.
In order to operate in compliance, Pleasant Loan Platform signed a cooperation agreement with Guangfa Bank on 20 15. Guangfa Bank manages the transaction funds on pleasant loan platform, separating the user funds from the platform funds, and better protecting the interests of fund investors. In addition, Guangfa Bank regularly issues fund management reports according to the requirements of the agreement.
Pleasant loan has increased innovation in risk control and compliance management, as well as in products. For example, provide different product requirements according to different types of customer needs, so that more people can enjoy safe and convenient asset management services. After several years of rapid development, pleasant loan platform was launched on the NYSE from 20 15 to 12, with more than 7 million registered users.
1. Introduction of pleasant loan products
The borrowers of pleasant loans are mainly urban white-collar workers, who mainly provide personal credit loan consulting services for urban white-collar workers. After several years of rapid development, pleasant loan platform now has many loan models.
2. Extreme speed mode
Pleasant loan platform uses the data accumulated by its own system and parent company to carry out risk control innovation, and uses various data channels to optimize the audit process and control model. Pleasant loan platform uses its own data advantages to publish a loan speed model. The speed model mainly uses the platform risk control system to judge the borrower's repayment ability and credit evaluation. Users don't need to submit proof of property, just log in to Yirendai APP, and Yirendai will analyze the customer's data, judge the user's credit evaluation, and complete the audit quickly.
3. Yirendai Asset Management
Pleasant loan asset management is one of the loans of Pleasant Loan Platform. Pleasant loan asset management is very convenient for both borrowers and borrowers. Lenders can borrow money from users who need funds through the pleasant loan platform. In addition, pleasant loan platform cooperates with banks to manage funds, provide truly transparent transaction processes, and establish a risk reserve mechanism for pleasant loans to better protect investors' rights and interests.