1. The mode of Rong 36 is "search+match+recommendation".

logging in to the website, Rong36 provides a form for users to filter the real situation of users. After checking the basic financial situation, users can enter the purpose, amount and term of the loan, that is, they can find out which financial institutions provide such loans and the loan conditions.

2. Rong 36 started from the search and recommendation of consumer loans such as commercial micro-loans and car loans, and quickly entered the credit card field.

3. Financial search and price comparison service enable people to obtain more comprehensive information about financial products.

4. After some loan users submit their applications online, Rong 36 will invite them to the offline loan convenience store outlets to collect paper materials after judging the authenticity of their intentions, so users don't have to go from house to house.

5. Through big data analysis, Rong36 "Tianji" big data risk control system will score the users who apply for loans according to the three dimensions of identity authentication, repayment willingness and repayment ability, and provide lending suggestions for cooperative institutions according to the scores.

6. Rong36 has launched the mobile phone application (APP), and there are more than 1, credit cards, 8, wealth management products and 7, loan products that can be searched for price comparison. The financial products are standardized according to time, amount and applicant's occupation, so as to facilitate users to quickly search for price comparison.

overview of Rong 36:

1. Rong 36 (Beijing Rong Century Information Technology Co., Ltd.) is a new type of online financial service company, which uses big data, search and other technologies to make financial products of hundreds of banks intuitively presented to users.

2. On March 12, 215, the leaders of the CSRC visited Rong 36, a financial product search platform, to investigate the company's financing situation, listing intention and profit model, and issued a clear invitation to Rong 36: "I hope that Rong 36, together with Ant Financial, will become the first batch of Internet finance startups listed in China."

3. On March 22nd, 215, the news broadcast reported Internet finance for the first time, with the title of "internet plus Finance Plus Financing Efficiency", and the news report lasted for 6 minutes, expounding the rapid development of Internet finance in China.

4. In May 215, Rong 36 launched the "Tianji" big data risk control system. Through big data analysis, the system will score users who apply for loans according to three dimensions: identity authentication, repayment willingness and repayment ability, and provide lending advice to cooperative institutions according to the scores.

for a specific market segment, the goal of Rong 36 is to strive for the approval of small loans within 5, yuan within 1 minutes at the earliest, and to issue loans on the same day. In addition to the breakthrough in loan approval speed, the loan approval rate has also been significantly improved. For the same type of users, the loan approval rate is about 15% by using extensive traditional risk control methods such as collateral and income flow certificate, while the approval rate can reach more than 3% by using big data model combined with labor.