Among them, personal consumption credit is a kind of pure credit loan, which has the characteristics of high quota, low interest rate, fast arrival and flexible borrowing. Scene staging service, there are two credit services: all-round education and all-round health. If users are in urgent need of capital turnover in their daily lives, they can apply for full easy loan.
The Baidu loan platform under BAT has guaranteed background strength, financial license compliance and Internet small loan qualification, and has been connected to the central bank's credit information system. It is a consumer credit service product under the formal supervision of the state, and strictly implements the credit management norms of the People's Bank of China.
In addition, there is no arbitrary charge on Baidu loan platform. The interest rates of various loan products launched are transparent and compliant, and there is no interest rate red line. For example, the annualized interest rate of Fuguihua is as low as 7.2% and the highest is no more than 24%, which is within the scope of legal interest rate protection. In addition, the platform has clear standards for borrowing, and will strictly review the credit conditions of borrowers and only issue loans to borrowers who meet the requirements.
Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.
Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.
202 1 65438+2 2 1, Du Xiaoman signed a cooperation agreement with the United Nations Development Programme (UNDP) to jointly promote the "Sustainable Finance Helping Rural Revitalization Project". The project plans to build a "sustainable development innovation service center" (hereinafter referred to as the "innovation center") at the county level, and provide support for the financing of small and micro enterprises in rural areas through the digital industrial service platform.
On 20021September 10, China Small and Medium Enterprises Association and Xiaoman Finance jointly established the Microfinance Branch. Under the guidance of China Small and Medium Enterprises Association, the branch will take the service of member enterprises, small and micro enterprises and individual industrial and commercial households as its purpose, and make full use of technologies such as big data artificial intelligence to reduce the financing cost of small and micro enterprises; Join hands with financial institutions to provide multi-level financial support for the development of small and micro enterprises, including low-interest credit loans; Intensive farming services in different regions and industries provide financing support for small and micro enterprises to adapt to the industry.
On 202 1 July 21day, Du Xiaoman Finance made an emergency donation of100000 yuan through Henan Charity Federation.