Beijing Zhilong Times Information Technology Co., Ltd. Yongqianbao is a full-process online loan APP based on the mobile Internet. It mainly solves the small loan needs of young urban white-collar workers and blue-collar workers in their daily lives. Use Qianbao to repay the public account of Beijing Zhirong Times Information Technology Co., Ltd., and Yongqianbao is a product of Beijing Zhirong Times Information Technology Co., Ltd. Yongqianbao relies on the advantages of big data computing, machine learning and other artificial intelligence technologies to effectively improve risk control capabilities, achieve more comprehensive, objective and accurate risk assessment, and bring high-quality financial services to many users who are difficult to reach with traditional lending services. At the same time, it has also won the trust and love of a large number of users.