The loan conditions for repayment are not immutable. It is based on the user's rating in the whole process of using the software. If the rating does not meet the loan standard, the loan in the next month will fail.

Huanbai is a credit card billing installment APP, which serves the majority of credit card holders and helps users solve credit card problems. ? The APP also entered the market in June 216 and was jointly operated by Shuhe Technology and Focus Small Loan.

Extended information:

The main function of repayment:

Helping to repay the card: the loan is directly credited to the user's credit card. The amount is high: up to 5,

Fast: the loan arrives in the account in 3 minutes?

Consumption before repayment: the amount of consumption can also be divided into stages.

In risk management, users are graded by "rules+scorecard" through the combination of data, technology and finance, and the data model is improved by machine learning. In terms of the existing risk control ability, it is also necessary to realize the "lightning loan" of "filling in information-automatic scoring-immediate lending", which requires higher risk control ability of Internet finance.

the person in charge of risk control of "Huan Bai" was also from American capital One in the early days, and he also had ten years' working experience in China Merchants Bank. The team's main risk control technology also comes from China Merchants Bank Credit Card Center. I also hope that through long-term data testing and data precipitation, the wind control model will be polished to optimize the wind control.

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