Is it formal to melt 360?

Rong 360 is more formal. Rong360 loan is a typical format of "Internet plus finance" and a new type of network financial service company. The platform operation uses big data, search and other technologies, so that the financial products of 100 banks can be presented to users intuitively, and also provide users with search price comparison and application services for financial products such as loans, credit cards and wealth management, so it has always attracted the attention of the industry.

Rong 360, as an intelligent mobile financial platform, was established in 20 1 1 year, and has a development history of nearly 10 years. The company's operation is also relatively mature and steady, which can be said to be one of the more reliable platforms and trustworthy. However, I suggest that you must think carefully before using the peer-to-peer lending platform.

Rong 360 (Beijing Rong Century Information Technology Co., Ltd.), a typical format of "Internet plus finance", is a new type of online financial service company, which uses big data, search and other technologies to visually present financial products of hundreds of banks to users. Rong 360, founded on 20 1 1, is an intelligent product selection platform for mobile finance, providing search and comparison services and application services for financial products such as loans, credit cards and wealth management.

The model of Rong 360 is "search+matching+recommendation".

For example, if you want to borrow 50,000 yuan to decorate your house, and enter the loan purpose, amount, term and personal information on the website, the system will automatically search and match in the database, find small loan products from different financial institutions, and output the corresponding list of banks and other credit institutions. The list shows information such as bank name, credit products, interest rate, total interest, monthly payment, loan time and total loan amount. After comparison, users can fill in the application materials online and apply for loans from one or several banks. After the application is completed, the credit manager of the relevant bank will contact the applicant by phone to confirm the information. The applicant can compare the products of various banks again and then apply for a loan at the branch or sub-branch.

Rong 360 is free for users, and there are four main profit models: First, recommend loan customers to financial institutions and charge referral fees. This part of the profit source needs the careful matching of the platform to support. The second is to match the transaction. In the process of applying for a loan, Rong 360 helps users complete the whole loan process. After the loan is approved, Rong 360 collects a certain percentage of the loan amount as a rebate. Third, the advertising fees invested by financial institutions on websites need to be generated by traffic, but advertising revenue is not the focus of 360 revenue. The fourth is the "one-stop service fee"-Rong 360 provides risk management for financial institutions. This kind of risk management service fee is an increasingly important part of the 360 profit model.