Zijin Loan is a formal financial information service platform. The company is committed to building a comprehensive investment and financing network service platform for small and medium-sized enterprises in China. The company has an innovative professional technical team proficient in enterprise financing, financial management, Internet technology and policies and regulations. Zijin loan operation team has relevant experience in e-commerce, microfinance information consulting services and other fields. Based on the service concept of honesty, openness and transparency, we provide professional P2P personal loan adjustment and recommendation services to our customers by using Zijindai website platform. Introduce advanced foreign credit management concepts, and provide professional credit management and wealth management services including credit consultation, evaluation, agreement management and payment management for customers at both ends of the platform in combination with the social credit situation in China. The credit platform built by Zijin Loan makes the credit transaction between customers at both ends safer, more efficient, more professional and more standardized. It can help users solve their capital needs, and at the same time bring considerable financial benefits to users with spare money, and get a good rate of return on capital while helping others.
Characteristics of P2P Personal Lending
Direct and transparent, lenders and borrowers directly sign personal loan contracts, and get to know each other's identity information and credit information one-on-one. Lenders can keep abreast of the borrower's repayment progress and the improvement of living conditions, and experience the value they have created for others most truly and intuitively.
Credit screening, in P2P mode, lenders can evaluate and select borrowers' credit, and borrowers with high credit rating will be given priority, and the loan interest rate may be more favorable.
Risks are dispersed, and lenders distribute funds to multiple borrowers, thus dispersing risks to the greatest extent.