P2P online lending platform will strictly review borrowers through several procedures to ensure the authenticity and security of loan projects. Taking * * * Win Club as an example, the platform cooperates with microfinance institutions to conduct multiple strict audits on each loan project.

1. Microfinance institutions conduct offline field visits to each loan to cross-check and verify the authenticity of the borrower's information;

2. Review the details of the borrower, including the borrower's bank account, credit report, property certificate, real estate license, work certificate and other necessary materials;

3. Investigate the background of borrowers and contacts in detail. The borrower needs to provide three contact methods, all of which are verified by the small loan company and the borrower by telephone;

4. Assessment of the borrower's repayment ability. Through the above three audits (especially 1 and 2), the borrower's real monthly net cash flow is restored.

After passing the above four audits, the loan project is recommended to the platform, and the platform risk control team conducts the second audit on the borrower according to its own risk control standards.

1. Review the loan information again to ensure that the loans provided by the cooperative institutions are authentic;

2. Score the borrowers according to the credit scoring system jointly developed with eBay * * *, and get the loan project grade to ensure that every loan is of high quality.