It is a formal platform.

360 Lend Lease is a personal and micro-credit platform of 360 Finance, which was launched in September 2016, based on 360 big data to assess customer credit and provide instant arrival consumer loans on this basis.

Relying on the 360 Group's advanced Internet security technology and big data technology, and based on massive user credit data and behavioral data, 360 Lend-Lease is committed to sounding out the domestic personal credit system, improving the efficiency of financial services, lowering the cost, and providing safe, stable, and convenient financial services for all groups in society with financing needs.

360 Debt is based on 360 Credit, an independent third-party credit evaluation and management organization under 360, which objectively presents an individual's credit status through cloud computing, machine learning, 360 Big Data and other technologies. Based on the comprehensive consideration of credit risk, payment habits, consumption, etc., it grants users different consumption limits.

The application limit of 360 Loan is granted on the basis of the consumption and repayment behaviors accumulated by the user on the platform. The various behaviors of the user on the platform are dynamic and changing, and the corresponding limit is also dynamic, and when the user's behaviors are good in a period of time and in line with the policy of withdrawing the limit, the corresponding limit may be increased.

Expanded information:

360 Lend Lease takes multiple measures in terms of safety and security, risk prevention and control:

1) Establishing a user's credit profile, 360 Lend Lease is based on sufficient social networking data to establish a credit system that will sort out each user's credit behavior portrait and grade the user's credit limit.

2) Establishing a social behavior model, 360 Debit establishes a credit score calculation system based on users' social circles, using users' connections as a reference for credit rating.

3) Establishment of a white list black list system to open a green channel for credit quality users, and on the other hand, provide black list user inquiries to prevent users from repeating applications, non-personal applications, false information, etc., and to prevent gang fraud.

4) leading security technology, relying on 360 leading cloud security system, 360 lending multiple technologies to protect the user's data security, privacy security, account security.

5) professional quality team, 360 has a leading domestic scale of high-level security technology team and from the domestic first-line large financial institutions of the risk control team.

360 financial rely on 360 Group "security" background, will make full use of "360 credit information big data" as an important guarantee of business risk control.

Baidu Encyclopedia - 360 Loans