Qianhua is a credit service brand of Xiaoman Finance. Its original name is Baidu Qianhua, and its positioning is to provide personal consumer credit services for the public and create an innovative consumer credit model.

Using Baidu artificial intelligence and big data risk control technology, it provides users with convenient, fast and safe internet credit services, which has the characteristics of simple application, fast approval, high quota, fast lending and strong security.

A number of product lines have been laid out, including money-all-easy loans, money-privileged loans, and money-short-term loans. The scene has covered daily consumption, education, medical beauty and so on. , and can be accurately matched according to the user's loan demand, providing users with reliable credit services.

20 1 8165438+1October1,Youhuahua brand launched a brand-new Logo design, and the new version of APP was launched simultaneously in major mobile app stores. If you spend money, you will find money to spend.

According to the user's personal credit situation, search habits, credit risk and other comprehensive considerations. With the help of Baidu's big data intelligent AI computing and risk control model, users can be granted spending quotas ranging from 500 yuan to 200,000 yuan.

Credit lines are granted according to the behaviors such as credit and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding credit line is also dynamic.

When users perform well in a certain period of time and meet the withdrawal policy, the corresponding quota may be increased. However, it cannot be opened or withdrawn by others.

The repayment method is that the repayment date of the user's bill is the successful date of the first loan, and repayment is made according to the loan date, and no penalty is charged for early repayment. The repayment operation can be operated in the repayment prompt on the App homepage.

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