"Qin V Loan" is aimed at individual industrial and commercial households, small and micro business owners, small and micro enterprises and other natural persons or legal persons with operating income as the main body. It is based on online electronic channel self-service application of big data, risk screening of big data, online automatic risk assessment combined with offline due diligence of account managers, remote data verification of artificial intelligence or manual customer service, cross-validation and risk management based on risk data and risk model. The online digital loan, which is a combination of automatic scoring and credit granting by the system and manual approval, is used for the production and operation of borrowers, and has the advantages of independent application, rapid lending, recycling, borrowing and returning.