The capital turnover is small and complete, with a maximum loanable amount of 200,000 yuan, with a daily interest rate of 0.02% and an annualized interest rate of 7.2%. Borrow 10 thousand yuan a day, and the minimum interest is only 2 yuan. At present, Du Xiaoman and financial institution partners have served more than 10 million small and micro business owners and individual industrial and commercial households. In the next three years, Du Xiaoman will provide 30 million small and micro business owners with reliable comprehensive financial services to realize inclusive finance's dream.
References:
Du Xiaoman has money to spend on official website.
Du Xiaoman has become a leading figure in domestic finance, with many new technologies such as Baidu AI, big data and cloud computing. At present, Du Xiaoman has exported financial technology products to more than 500 financial institutions, which has been widely recognized by the industry.
Therefore, Xiaoman's smart credit information service is based on credit information. A small loan service needs credit if it has money to spend. It will query the user's credit information, choose to authorize the credit information query, and then proceed to the next step.
According to the regulatory requirements, inquiring about the credit line, applying for loans and borrowing on Xiaoman will be truthfully reflected in the credit record, and will also be reported to the central bank if it is overdue.
Du Xiaoman has been brought into the national formal supervision system and docked with the central bank's credit reporting, and all businesses are strictly implemented in accordance with the credit reporting management norms of the People's Bank of China.
The scope of finance is small and comprehensive.
With money to spend, the 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 to bring internet credit services to users has the characteristics of simple application, fast approval, high quota, fast lending and strong security. A number of product lines have been laid out, covering daily consumption, medical beauty and education. , can be accurately matched according to the user's loan demand, and provide users with reliable credit services.
Du Xiaoman Wealth Management, formerly known as Baidu Wealth Management, is a professional wealth management platform under Du Xiaoman Finance, providing diversified products such as fund public offering, securities firm collective asset management plan and insurance.
A small full payment, through cooperation with mobile phone Baidu, Baidu map, Baidu glutinous rice, iQiyi, Ctrip and other Baidu departments and external partners, builds a complete payment ecological closed loop.
With the joint efforts of Xiaoman Finance's multi-business sectors, inclusive finance's ideal is being realized: let finance be integrated into the daily life of ordinary people, help people realize their dreams of a better life, and let more people get financial services equally and conveniently.