since its official launch in may 215, tianxing financial App (formerly Xiaomi finance) has continuously optimized its experience and provided better personal financial services, including credit, wealth management, insurance and payment, to its users through digital technology, and gained a good reputation in the market. On October 18, 22, Xiaomi Financial App brand was upgraded to Tianxing Financial App, and it continued to provide quality services to users.
Xiaomi Finance is a personal comprehensive financial service platform under Xiaomi Company, which provides services around personal financial needs, including but not limited to: investment and wealth management, loans, securities, insurance, etc.
"Xiaomi loan" is a key step towards personal consumption finance, and it is also the beginning of creating a new credit information model from behavior to finance.
The so-called "from behavior to finance" means "based on MIUI system, with the authorization of users, accumulating their online behaviors, and evaluating the credit degree and repayment ability of users according to this.
For example, online data shows that a user often exercises and maintains good work and rest habits, which indicates that the user is in good health to a certain extent, so the price of purchasing commercial health insurance will be relatively low; By the same token, a user often makes online shopping, which shows that the user's spending power is relatively strong to a certain extent, so the loan amount he gets will be relatively high. It can be said that similar continuous daily data are less likely to be falsified. "
at present, Xiaomi loan is only for some invited users, and the invitation system+application system will be linked in the future, which will be further opened to Xiaomi users. At the same time, for users who have applied for cash credit, Xiaomi Finance provides "installment shopping" products and services, and users can choose the number of installments according to their own conditions, thus alleviating the shopping pressure of users on Xiaomi.
on may 11th, 215, Xiaomi financial app was officially launched, and the active treasure of money fund products was launched.
On June 1st, 215, Xiaomi Fund Bao was launched.
On September 16th, 215, Xiaomi Finance started the first public beta of the credit product "Xiaomi Loan", and Xiaomi users who participated in the public beta can quickly obtain credit loans without mortgage.