First, Alipay borrows money.
Whether you can borrow money depends mainly on the borrower's sesame score. If the sesame score is low or does not reach a certain sesame score, the loan will also be rejected.
Second, JD.COM White Strip
JD.COM IOUs are mainly a credit value of users' shopping and the amount of shopping they spend. The higher their consumption, the more JD.COM white bars they naturally use.
Third, mobile phone loans.
Mobile phone loan is mainly a platform for small loans, which is jointly developed by mobile companies. Refers to the user's personal credit information, such as the loan behavior in daily life, the flow of bank cards and so on. There are many loan methods to choose from, such as house mortgage, mobile phone purchase and mobile phone loan, mainly depending on how individuals choose.
Fourth, Alibaba.
The P2P microfinance model pioneered by Alibaba is led by Alibaba's offline loan company, which provides loans of less than 500,000 yuan. Ali Small Loan is different from the P2P online model we often say.
Fifth, pat on the loan
The first P2P peer-to-peer lending platform in China started with a registered capital of 65438+ 10,000. Conditional compensation for investors requires investors to bear certain risks, but the mechanism of reviewing and collecting loans is better and the management cost is lower.
The idea of auctioning off loans has been innovating all the time. The most obvious example is to cancel the audit: give up any link of the transaction, so that auctioning off loans will become a lonely platform, and lenders and borrowers will trade entirely on their own. The auction of loans is only a third party to "witness" the legally binding loan relationship.
Sixth, everyone's loan.
Renren loan is characterized by paying attention to risk control, complicated audit procedures and very low credit line, which feels only suitable for particularly small loans. Because there is no advance payment, the lender needs to bear certain risks, but Renren Loan has strict audit on the borrower and a mature ripening mechanism. In particular, the expected annualized interest rate of everyone's loans is generally low.
Seven. Favorable network
With the background of Wall Street team, I don't lose to other companies in online publicity. The long loan period is compensated by the expected annualized interest, which gives people a very safe feeling in any way. ?