Zhuo Xinzhi's investment and loan mainly focuses on agricultural lending projects and is engaged in agricultural industrial chain finance. They are only engaged in farmers and agricultural enterprises. The so-called agricultural industrial chain finance refers to the closed-loop industrial chain from farmers' farming, lending, helping agricultural industry and technical support, to grain storage, finished grain processing and sales terminals, and finally returning to farmers' sowing. Intelligent investment and loan is the lending link of this industrial chain, and his risk control model is also integrated into this industrial chain. For example:
For example, if a farmer needs a loan for farming, Zhuoxin will estimate a loan amount according to the farmer's land (to prevent the farmer from using the money elsewhere), and then sign a five-household joint guarantee (the other four farmers jointly guarantee him). Joint and several liability), land circulation (that is, the mortgage of land use rights, including the grain in the land) and the preemptive right of grain (that is, when the harvest is good, Zhuoxin will buy the grain that farmers can't sell at the market price to ensure the interests of farmers). Also, when signing a loan contract, farmers are required to use the fertilizer-planting equipment used by Zhuoxin Group for breeding, and this part of the money will be deducted from the loan (this is also to prevent farmers from using the money elsewhere, of course, the price is the market price and the seed quality is high). Finally, agricultural natural disaster insurance. In case of disaster, the loan amount will be paid in equal amount. The above is to ensure the repayment ability of farmers. If the farmer breaches the contract, it will be repaid by the other four households in the five joint liabilities, and the previously mortgaged land use right will also be subletted or transferred. Of course, the intelligent investment and loan platform itself has its own risk control measures, such as third-party fund custody, CFCA of China Financial Certification Center, 3A certification and competition of "trusted website" of China Electronic Commerce Association, etc.
Mentek, wait.
Renren loan is mainly used as an intermediary service. The borrower publishes loan information, and the lender chooses whether to borrow according to the borrower information. It is also a fund pool model. The lender buys the plan, automatically bids to the borrower, and the funds are recovered.
The platform itself does not directly participate in loan transactions, which requires that the borrower's information must be audited on the spot to ensure authenticity, otherwise it is easy to default.
Pleasant loan "extreme speed mode" is a new second batch loan method of 15. The average monthly interest rate is as low as 0.78%, and the "extreme speed mode" can fully lend money 1 minute, and the maximum loan amount can reach 65,438+10,000.
CreditEase Yirendai made full use of the Internet and mobile Internet technologies, and successfully built an online closed loop including the whole process of borrower acquisition, credit evaluation, transaction conclusion and customer service. "Extreme Speed Mode" has fully realized the whole process of mobile phone operation and provided users with more mobile mobile phone loan services. Through the "Extreme Mode", users can obtain loan approval in only three steps:
First, enter the "Extreme Speed Mode" user authorization.
In this step, the user enters the email address and password bound by the credit card and authorizes the system to read the consumption bill. Next, the system will evaluate the credit limit for the borrower according to his credit card usage, and this process will not exceed 1 minute.
Second, the user authorized to read the system data qualification verification
After the quota evaluation process is completed, the system will ask for the borrower's records on e-commerce websites and social networking sites for qualification verification.
Third, submit the bank card information and wait for the audit result.
Finally, the borrower needs to submit the bank card information to the system and wait for the audit result. This process usually takes no more than 10 minutes.