Qianhua is a product of Xiaoman financial platform, which provides personal consumption credit loan services to the public. Credit loan scenarios are rich, involving daily consumption, education and medical beauty, and can accurately match the appropriate loan products according to the needs of different customers.
Xiaoman Finance is a financial credit loan platform under Baidu. It has established four business segments: credit loan, payment, wealth management and financial technology. In addition to money, its products also include Du Xiaoman's wealth management and Du Xiaoman's payment.
Which platform is the loan with money to spend?
Having money to spend is Baidu's credit service, which is convenient, fast and safe. If you want to borrow money at any time, there is no penalty for prepayment, and you can flexibly choose the installment method. If you spend money, you will find money to spend.
1. Money Flower is a credit service brand under Du Xiaoman Finance (formerly known as Baidu Finance, renamed in June 2008+2065438). Formerly known as Baidu Money Flower, it is positioned to provide personal consumer credit services for the public and create an innovative consumer credit model. Using Baidu artificial intelligence and big data risk control technology, it provides users with convenient, fast and safe internet credit services, which has the characteristics of simple application, fast approval, high quota, fast lending and strong security.
Second, a number of product lines have been laid out, including "money-easy loan", "money-privileged loan" and "money-short-term loan". The scene has covered daily consumption, education, medical beauty, etc., and can be accurately matched according to users' borrowing needs to provide users with reliable credit services.
3. According to the comprehensive consideration of users' personal credit, search habits, credit risks, etc., through Baidu big data intelligent AI calculation and risk control model, users are granted spending quotas ranging from 500 yuan to 200,000 yuan. According to the accumulated credit and repayment behavior of users on the platform, credit lines are granted. The behavior of users on the platform is dynamic, and the corresponding credit line is also dynamic. When users perform well in a certain period of time and meet the credit withdrawal policy, the corresponding credit limit may be increased. However, it cannot be opened or withdrawn by others.
Fourth, according to the user's personal credit situation, search habits, credit risk and other comprehensive considerations. Through the calculation of Baidu Big Data Intelligent AI and combined with the risk control model, the user is granted a consumption quota ranging from 1 1,000 yuan to 300,000 yuan. According to the accumulated credit and repayment behavior of users on the platform, credit lines are granted. The behavior of users on the platform is dynamic, and the corresponding credit line is also dynamic. When users perform well in a certain period of time and meet the credit withdrawal policy, the corresponding credit limit may be increased. However, it cannot be opened or withdrawn by others. The credit line is a one-time credit line. After the credit line is successful, users can borrow once within the credit line, and the unused credit line cannot be used again. After all the loans are settled, you can reapply for the quota, and the quota granted each time may be different.
5. After the loan is successful, the user can choose to repay the loan every month, or all of them can be settled in advance, and a certain prepayment penalty will be charged for settlement in advance. The user's borrowing date is fixed as the user's repayment date. For the loan with the loan date of 1-28 in the current month, the corresponding loan date of 1-28 in each month is the repayment date of the user. For loans after 28th, if there is a corresponding date next month, it is the repayment date of users. If there is no corresponding date, the last day of each month will be the repayment date of the user. When the user applies again, the repayment date will be re-determined according to the rules. For overdue repayment, a certain overdue fee will be charged every day and reported to the Credit Bureau.
What platform is the rich flower?
Qianhua is a credit loan service brand launched by Baidu Xiaoman Finance, which mainly provides personal consumption loans for mass users, including all-easy loans and exclusive loans, of which the maximum amount of all-easy loans is 200,000, and the daily interest is as low as 0.02%, which can be recycled; The maximum amount of exclusive loan is 300,000 yuan, which is repaid in installments, and the minimum monthly interest is 1%.
It is understood that Baidu has money to spend and does not provide consumer installment loans to college students. Applicants should be1non-college students aged between 8 and 55.
Is Baidu spending money a loan platform?
Baidu's loan platform is called Xiaoman Finance. On April 20 18, it left Baidu Finance and operated independently. Youhuahua is its credit service brand, which mainly cooperates with banks and other financial institutions to provide users with personal consumption credit and scene installment services.
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 rich women is as low as 7.2% and the highest is not 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.