Jinying staging is a formal platform. Jinying is a personal credit loan product of Hangzhou Shen Ying Information Technology Co., Ltd. Jinying is located in Hangzhou with a business license and no risk record. Jinying Staging was once the king of lending, with a formal network micro-loan license, mainly matching loans from banks and licensed financial institutions, and the source of funds was relatively safe and reliable. The maximum application amount for the phased opening of Jinying is 50,000, and the service period is 6 to 12 months. It belongs to the same type of product as kidney bean sub-loan, and there is no telephone call back during the whole process of system approval, so it can be recycled. The interest rate of Jinying installment is relatively high, but according to the annualized interest rate stipulated by the state, mainly based on the comprehensive qualification evaluation of borrowing users, it is still within the range of 36%, and the real feedback interest rate of users is 30%. The specific interest rate is subject to the actual loan approval. When borrowing money, there is an equity package, and customers can decide whether to buy it or not. Before Jinying loans in installments, it will check the credit information of hundreds of banks. The matching is that banks and third-party licensed financial institutions lend money, and some employers have overdue credit information. After borrowing, some employers will also report to the credit information system to record the overdue behavior of the borrower. Jinying's staging is still a good online loan. Up to now, the pass rate is still relatively high, and the overall requirements for borrowing users are low, mainly for users with stable income, good credit information and big data.