In fact, these are all comprehensive evaluations based on the big data of each user on the platform, but the specific choices, just like choosing a boyfriend/girlfriend, need to deeply understand their respective preferences. Only by knowing each other's preferences can you choose the one that suits you best. Today, I will take you to understand the credit preferences of the three loans of BAT.
Borrow-sesame credit score is the most critical "hard core standard"
Only users with a sesame credit score of 600 or more and Alipay's real name will have the opportunity to open ant borrowing. In addition, whether the loan can be successfully opened, the big data system in the loan background will comprehensively evaluate the user's consumption, payment, wealth management, credit and other dimensions in Alipay to decide whether to authorize the amount and quota.
If it meets the audit conditions of Lending Bao, Lending Bao will open the loan qualification for users. If you meet the loan conditions, you can click the loan button in Alipay APP to get the corresponding credit line.
Micro-loan-focus on personal qualifications and only use Tencent financial products.
Micro-loan is a credit loan product under Weizhong Bank. At present, the only way to open it is that Weizhong Bank actively invites users to open it by means of white list invitation system, which does not support users to apply for opening it actively. If you want to be invited, you need to use Tencent's financial products, such as change pass and tenpay, to improve the probability of being invited.
Only users invited by micro-loans can see the loan entrance of micro-loans on WeChat or QQ. Invited users can click "micro-credit loan" → "access to credit line "→ view relevant agreements and check their own procedures.
The quota is determined by the system according to the comprehensive situation of the user's personal qualification and credit, and the user is not allowed to apply for adjusting the quota actively.
Having money to spend-actively opening up and relying on Baidu big data evaluation
Youhuahua is a credit product of Xiaoman Finance. Youhuahua currently has three loan products to choose from, namely all-easy loan, exclusive loan and short-term loan. Among them, users of all-easy loans and privileged loans can take the initiative to apply for opening, and this product of spending money-small loans does not support users to actively apply for quotas for the time being. At present, this product is only open to some users, and only invited users have the opportunity to get a loan amount.
The credit standard of active application mainly depends on Baidu big data. If you frequently use Baidu's related financial products, such as Xiaoman wallet and Xiaoman wealth management, you will get extra points for the evaluation quota. In addition, daily consumption, payment and credit data are also important dimensions of big data evaluation, which determines whether you can apply for a credit line and get a higher line.
Users download the mobile APP with money flower, register and log in, find the entrance of "All Easy Loan" or "Enjoy Loan" on the page with money flower, click "View my credit limit", and then complete identity authentication such as name, ID number and bank card number according to the system prompts. Note that the application conditions require that the age is between 18 and 55 years old, and college students are not allowed to apply for loans. After that, the system will use more big data to comprehensively evaluate the user's personal credit, thus giving the borrower a certain range of credit lines.