Why did your loan become Shunyi assets?

The background of "you-me-loan" comes from the outbreak of peer-to-peer lending, which has alleviated the outstanding financing difficulties of domestic SMEs to some extent. Ma Weihua, president of China Merchants Bank, has repeatedly said that the combination of social networks and finance may have a subversive impact on the traditional financial industry. Throughout the entire financial product market, traditional financial products are also accelerating e-commerce. More and more financial industries use Internet and other technologies to sell financial products, acquire new customers and complete customer service. Financial e-commerce has become a trend.

With the help of extensive and efficient online media, you and I, as "capital matchmakers", creatively adjust the financing of investors and financiers to meet the common needs of both sides and achieve a win-win situation for enterprise development and investment income.

As intermediary service providers, you and I assume the role of information collection and information authenticity verification, including but not limited to basic information such as ID card, credit status, appearance, education, social security, provident fund, immediate family members, unit and network tracking. We can screen the credit of participants according to the data verified by your total loan amount, so as to reduce the risk of information asymmetry.

By designing the bidding mechanism, each loan is naturally distributed to multiple lenders, reducing the concentration risk of lenders; By forcing monthly decentralized repayment, the borrower's financial situation can be tracked in time and the interests of lenders can be protected to the maximum extent. You and I also took the lead in launching the principal and interest compensation service. If there is a risk of default, you and I promise to repay the principal in advance for the investors.

: investor protection

Whole process risk control support

Strict pre-lending audit-You and I have an industry-leading audit team to conduct multi-channel, multi-angle, multi-dimensional and multi-level investigation and audit on customer information and credit report to avoid fraud risks to the maximum extent.

Effective monitoring during the loan period-you and I have a professional customer service team. The customer service manager keeps in touch with customers during the loan period, provides good service, monitors the repayment status in real time, and avoids post-loan risks.

Post-loan tracking management-for overdue customers, you and I will remind them of repayment in various ways, and professional collection teams and third-party institutions will carry out collection work and take legal measures to solve them if necessary.