What is the development process of Flying Loan?

In 2010, the predecessor of Flying Loan Fintech was established in Shenzhen, a frontier area of reform, and Alibaba Microfinance was established in the same year.

In 2011, the "Credit Factory" system built by Feidai Fintech, which was founded only about a year ago, was officially launched, starting the first transformation with efficiency improvement as the core.

In 2013, Feidai Fintech promoted the second transformation with "using technology, reducing staff and increasing efficiency" as the core. Although the business scale of the Flying Loan Fintech, which entered the market with the traditional offline promotion model, has been rapidly expanded after the efficiency improvement, it is also facing the challenge of increasing offline heavy assets and manpower management costs.

At the end of 2014, it switched to pure online, and then Feidai financial technology helped banks and other financial institutions to achieve a maximum loan of 300 million yuan in a single day, and the best result of the pure offline model was only to exceed 200 million yuan in a single month, and the business scale increased by 76 times.

At the end of 2015, Feidai Fintech took the lead in officially launching the Feidai APP, achieving an average loan of up to 60,000 yuan, starting the mobile Internet credit business model and starting its third transformation. The mobile credit leadership of Feidai Fintech this time has caused a shock in the industry. In this year, Flying Loan Fintech became the only Chinese fintech case selected by the Wharton School of Business in the United States.

In 2016, Feidai reached a "loan assistance model" cooperation with a large state-owned bank, which became the first domestic cooperation between financial institutions and fintech companies in the direction of Internet-based inclusive finance.

After 2017, Feidai announced a comprehensive upgrade of its strategy, shifting from the C-end to the B-end, and exporting the overall technical solution of mobile credit to financial institutions. By exporting the overall technology of mobile credit to licensed financial institutions, it helps financial institutions accelerate their digital transformation.

In 2018 and 2019, FlyLoan Fintech won the "Global Small and Micro Finance Award" launched by the World Bank Group and the G20 Global SME Forum, becoming the only Chinese fintech company to win this award twice.

Now there is an overwhelming number of online loan companies.

There are small loan installment loans everywhere, and the advertisements posted in the subway elevators are everywhere, I have never made a loan on these platforms, but I have heard that many troubles have happened because of the loan. <>

Some people may be more in urgent need of money, they will choose this kind of small loan company, they have low requirements, no threshold to arrive quickly, anyway, it is all kinds of fooling you in the early stage of the loan, people are not afraid that you can't pay it back, and so on, if you are overdue, then you know, there will be all kinds of threats and harassment, and even send letters and emails, some also threaten you, and then you will find your home if you don't repay, this kind of thing is too much, and I see many college students commit suicide because of loans, so don't trust some small loan companies, They are against the law.

The interest rate is particularly high, the interest is rolling, and it will be more than the principal at that time, and it will be too late to regret it at that time, this kind of you will repay the principal, and the interest will not care about him, after all, it is illegal, and they dare not call the police, because they will definitely have to repay the money they borrowed, and remember not to look for this kind of black-hearted online loan next time. <>

In fact, I know a good loan company, that is the flying loan network, to be precise, the flying loan is just a product, is a loan APP software created by the flying loan finance, mainly to help improve the efficiency of finance, so that some ordinary people can also enjoy easy loans, the interest is not high, the account is also very fast, and people belong to a regular company, only need to fill in some simple information, basically can pass, many people who need money urgently can choose the flying loan, is a very good loan company. <>

I advise you to understand the company's background before taking out a loan, to see if it is a regular operation, and some small black-hearted online loans must not be fooled, they follow usury.

The nature is almost the same, specializing in earning high interest, they will hire all kinds of people to call you, urge repayment, make you sleep badly every day, eat badly, finger pat feels like someone is monitoring 24 hours a day, it's really scary.

It should be a small loan company, and this loan company is also formal and legal, the procedures are relatively complete, and the speed of payment is relatively fast.

This is a loan company, the reputation of this company is also very good, the scale is relatively large, and it is a legal and regular company.

It's a financial company, in fact, relatively speaking, the strength is still very scumbag, and this is also a ****, we can find out his relevant information on Ruhe**.

The conditions required to apply for a flight loan are:

1. The applicant is between the ages of 22 and 60 and has full capacity for civil conduct.

2. Applicants need to have good personal credit and no bad credit records.

3. Applicants need to have a stable job and a stable monthly income.

4. Applicants need to have certain personal property, such as vehicles, real estate, deposits, etc.

5. The applicant needs to have two years of credit card repayment records or half a year of housing loan repayment records.

Extended Materials. 1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Third, facing a national crisis of confidence.

At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports.

Let the people of the whole country know that these "old fools" borrow money and do not pay it back! Of course, except for those who owe money in bad faith, the average borrower will not go this far.

Fourth, the People's Bank of China's credit report produces stains.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

Summary. Hello, the question I received from the teacher is: What kind of company is Feidai:

Flying Loan is a mobile app launched by Shenzhen Zhongxing Flying Loan Financial Technology**** (hereinafter referred to as Flying Loan Financial Technology), which has two product functions: credit loan and business loan. Flying Loan Fintech realizes the efficient connection between various licensed financial institutions and users, and helps financial institutions provide convenient financial services for small and micro enterprises and individuals. Borrowers who apply for a loan on the Flying Loan app can enjoy product experiences such as "complete the application in as fast as 3 minutes", "up to 300,000 quotas in seconds", "anytime, anywhere", and "borrow and repay at any time".

Is the interest rate of the fly loan high.

Hello, the question I received from the teacher is: What kind of company is Feidai: Feidai is a mobile phone app that is missing from Shenzhen Zhongxing Feidai Financial Technology **** (referred to as Feidai Financial Technology), which has two product functions: credit loan and business loan.

Flying Loan Fintech realizes the efficient connection between various licensed financial institutions and users, and helps financial institutions provide convenient financial services for small and micro enterprises and individuals. Borrowers who apply for a loan on the Flying Loan app can enjoy product experiences such as "complete the application in as fast as 3 minutes", "approve up to 300,000 quota in seconds", "anytime, anywhere", and "borrow and repay at any time".

The daily interest rate of the loan is 3%. For example, if you borrow 10,000 yuan and repay it in 10 days, the pure interest is 100 yuan, and the 30-day repayment is 300 yuan, which is high compared to the bank.

Which online loan has a low interest rate.

The annual interest rate of the loan is updated monthly with the LPR, and the lowest annual interest rate is LPR+, which can be said to be very low, which is quite reliable.

The responsibility is high, the regular bank can't lend, and the interest of Zhong'an loan is high.

The interest of Zhong'an Small Loan is okay, it is a more conscientious product, and the maximum amount of application for this product is 200,000, and the longest installment can be 12 installments. As a licensed Internet microfinance company, Zhongan Microfinance is based on licenses, technology-led, upright and innovative, and realizes full-line automated operations. He has linked to the shareholder platforms of China Telecom and Zhong'an Haona Town Insurance, and relied on the shareholder platform to link a number of leading Internet channels to provide consumer loans to Class C individual customers and Youku operating loans to Class B small and micro enterprise customers.

We will continue to provide customers with compliant, safe and convenient micro-loan services.

Can you give a more detailed account of the interest of Zhongan Loan, thank you.

The interest rate of Zhong'an Micro Loan is based on the interest rate provided by the actual lender, and the daily interest rate is the lowest, which is not high in the same industry. The interest calculation method is to use the calculation method of equal principal and interest, and the interest is calculated from the day when the loan is successfully disbursed. You can fill in the loan amount on the loan application page to view the bill details of each period.

Round ruler field.

The Flying Loan APP is launched by Shenzhen Zhongxing Flying Loan Financial Technology****, which was launched on October 21, 2015, and the loan products launched include credit loans and business loans. It mainly provides convenient financial services for small and micro enterprises and individuals, and can enjoy services such as "completing the application in 3 minutes at the earliest", "approving the maximum quota of 300,000 yuan in seconds", and "borrowing and repaying at any time" when applying for loans.

Taking the Flying Loan version, Apple 13 (system), and Huamin Pengqiao Mate40 (HarmonyOS2 system) as examples, the credit line obtained by different users when borrowing money is not the same, and is generally determined according to the user's comprehensive qualifications. When applying, the borrower must be a Chinese citizen aged between 22 and 60 years old, holding a second-generation ID card, and the city where the borrower is located has been covered by the flying loan business.

Shenzhen ZTE Flying Loan Financial Technology **** was established on January 20, 2012, registered in Nanshan District, Shenzhen, No. 11 Keyuan Road, Yuehai Street, Jinqiao Jianrong Technology Building, Block A, 20th Floor, the registration authority is the Shenzhen Municipal Administration for Market Regulation, formerly known as Shenzhen ZTE Micro Loan Financial Services.

Shenzhen Zhongxing Flying Loan Fintech has invested in Zhidao Wisdom Technology (Shenzhen), Shenzhen Flying Loan Small Loan, Shanghai Black Pupil Information Technology, Shenzhen China Capital Union Financing Guarantee, and Shenzhen China Mining Federation Industry. The branch has Sichuan branch.

As of February 2020, the flying loan is unreliable.

The Ministry of Industry and Information Technology (MIIT) has reported 15 apps that infringe on users' rights and interests and have not completed rectification, including Luckincoffee, Yidian Information, Tianya Community, etc. The above-mentioned apps are required to complete the implementation of rectification before January 17, 2020, and those that do not make corrections within the time limit will be removed from the shelves.

Specifically, the issues involved in these 15 apps include the "private collection of personal information" by Lagou Recruitment and Luckin Coffee; Flying loans, Yunnan recruitment, "do not give permission, do not let use"; A little information, fast ** "private sharing with third parties", etc. Its main version**is the application treasure, and only the Tianya community is the official website**.

Credit loans need to check the personal qualifications of the central bank's credit information, and it is not easy to pass. After the credit flight loan was connected with the bank in 2018, all customers were included in the central bank's credit information, and if there was an overdue record in the central bank's credit information, it would not be able to pass the credit flight loan review. Although Credit Fly Loan is an online loan platform, it has already met the legal requirements of our country, and it is necessary to check personal credit information to make loans in it.

In addition, there are also requirements for the user's qualifications. If there is no salary income flow on the bank card for a long time, the credit flight loan review system will think that you do not have enough financial **, so as to refuse to lend. As an online loan platform, Credit Flying Loan is a pure credit loan, and the requirements for personal credit are very high.

This is different from informal online loans, many informal online loans will not be included in the central bank's credit information, and the application qualifications are relatively low. In contrast, credit flying loans do not have much advantage and competitiveness, but the regular ones are always safe, and there are no various fancy routines.

It is more difficult to pass the credit flight loan review, which requires not only credit inquiry, but also proof sufficient capital flow repayment ability. If you're going to "masturbate", you can't do it inside, so it's recommended to find another place. P2P online lending platforms or formal online lending platforms with very high interest yields, if their income and interest exceed the 24% red line of usury stipulated by the state, will not be protected by China's laws, and will not affect personal credit reporting.