Recently, Gome, a microfinance platform under Gome Finance, launched a small installment product. As the first cash loan project in Gome's consumer finance business, American loan was officially launched in August this year. The small installment launched this time is the second financial product launched by American loan after small cash loan.
As a pure internet finance team, Midea is committed to making consumer finance services more inclusive and covering more user groups through the application of mobile internet technology in the field of consumer finance with the concept of "using technology to do consumer finance".
Accurate product segmentation and accurate user positioning are the key to obtaining user support. For the two products borrowed by Midea, the relevant person in charge of Gome Finance said that in August this year, Midea launched a small cash loan product, which has the advantages of simple application and quick review, with a maximum amount of 5,000 yuan. It is committed to providing cash flow services to people who have not been served by traditional financial institutions before payday, and at the same time helping them accumulate credit. After more than three months of stable operation of the platform, the small installment products launched by American Loan are committed to covering more different groups. Small installment products not only increase the loan amount, up to 20 thousand yuan, but also allow users to repay in three, six and twelve installments, which greatly reduces the repayment pressure of users. Compared with other products, the small installment of American loans has the advantages of lower monthly interest rate and longer installment.
The person in charge of Gome's financial loan said that while consumer finance is welcoming the vast blue ocean of the market, the risk control capability with big data risk control as the core has always been one of the cores that financial institutions attach importance to. According to the personal social account number 12000, the activity, information richness, social relationship map and extended information are comprehensively evaluated. This is different from the traditional credit reporting that only looks at a single dimension. Internet credit information is more stereoscopic and more valuable for personal portraits. The United States relies on data mining analysis and machine learning technology to identify the information submitted by applicants, and combines personal social behavior and massive Internet information to score personal credit online, so that users can quickly obtain credit lines.
It is understood that Gome Financial has fully accessed the central bank's credit information system in August this year while cooperating with a number of external credit information agencies and having its own data capture capabilities.
Regarding the future development plan of American Loan, the relevant person in charge of Gome Financial American Loan said that in the future, American Loan will continuously improve its product line, enrich the consumption scenarios of users' credit lines with product innovation, and run through multiple experiences to solve users' financial needs in cash, consumption and life.
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