What kind of company is Zhaolian Financial?

Zhaolian Financialis a familyFinancial companies, mainly providing financial lending services.

First of all, you need to distinguish between Zhaolian Financial and Zhaolian Consumer Finance.

These are two different companies, but the nature of the main body is basically the same, you can simply understand that Zhaolian Financial belongs to Zhaolian Consumer Finance. The main business of this type of company is generally financial lending services, and the products provided are credit products, which you can simply understand as a financial company that provides online loans.

1. Zhaolian Financial is a financial company.

I checked the basic content of Zhaolian Financial on the Internet, and Zhaolian Financial was approved by the China Banking and Insurance Regulatory Commission.

Approved formal financial companies. Zhaolian Financial provides a lot of credit products, these modern products are released online, you can understand this kind of products as online loan products. At present, the online loan products on the market are basically connected to the central bank.

Credit investigation, Zhaolian Financial is no exception. <>

2. Zhaolian Financial has many online loan products.

Let me give you an example, Zhaolian Financial's online loan products include good term loans and credit payments, both of which cover a very high user base. To a certain extent, the previous online loan products were not formal, so the entire industry has been governed, and the existing online loan companies on the market are generally relatively formal, and Zhaolian Financial is a relatively large online loan company. <>

3. I do not recommend you to apply for this type of online loan product.

Although Zhaolian Financial is relatively formal, if you take a closer look at the annualized interest rate of Zhaolian Financial's products, you will find that the annualized interest rate of these online loan products is very exaggerated, which has seriously exceeded the basic level of normal loans. We know that 35% is already a yesLoan sharksMany of the products of Zhaolian Financial have reached an annualized interest rate of 30%.。For those who are already in a bad financial situation, applying for such products will only make their financial situation worse and worse, and some people will even be unable to make ends meet, become insolvent, and gradually fall into the abyss of debt.

Zhaolian Financial is not a single loan product, it is a consumer finance company jointly established by China Merchants Bank and China Unicom (approved by the China Banking and Insurance Regulatory Commission), headquartered in Shenzhen, Guangdong Province, established and opened in 2015.

The loan products provided by Zhaolian Financial include "Good Term Loan", which is a credit consumer loan with a maximum amount of 200,000 yuan and a maximum loan period of 36 months. Zhaolian Financial has also created a number of personalized categories under the "Good Loan" product system, such as the revolving line "White Collar Loan" product for high-quality white-collar workers, and the one-time high-limit product "Large Term Loan" to solve the temporary capital turnover needs of high-quality customers.

In addition, Zhaolian Financial has also launched "Credit Payment", which is an Internet consumer installment product, and users can enjoy up to 40 days interest-free and up to 24 installment payment services. It can mainly be used in Zhaolian Financial's own installment** and consumption scenarios such as education, medical beauty, travel, and decoration; It also relies on the second-class bank account to open up payment channels such as UnionPay Quick Pass, Alipay, and WeChat Pay.

If there is a need for funds, it is recommended that the credit service products of Xiaoman Finance have money to spend, and provide users with safe, convenient, unsecured and unsecured credit servicesBorrow money on the Xiaoman financial app (Click on the official scale）。The daily interest rate of consumer loans is as low as the annual interest rate, and the maximum amount can be borrowed as 200,000The approval speed of money is relatively fast, the fastest is 30 seconds to complete the approval, under normal circumstances, the time for review is 2-3 working days.

This is a relatively good financial services company, and the company's reputation is also very good, and the business launched is also very good.

It is a very good financial company, and this financial company is also liked by many people, and the company area is very large and the credibility is very high.

Zhaolian Financial is a finance-related company, a financial consumer institution, approved by the China Banking and Insurance Regulatory Commission, and is very reliable.

Hello, Zhaolian Financial is a licensed consumer finance company jointly established by China Merchants Bank and China Unicom, which is relatively formal. However, it is still necessary to be vigilant and read the terms carefully before borrowing.

Founded in March 2015, Zhaolian Consumer Finance **** (hereinafter referred to as "Zhaolian Financial") is a licensed consumer finance company approved by the China Banking and Insurance Regulatory Commission and jointly established by China Merchants Bank and China Unicom, with a registered address in Qianhai, Shenzhen, and a registered capital of 10 billion yuan.

For enterprises, the threshold for bank financing is high; For individuals, banks have strict requirements for credit risk control; The interest rates of traditional microcredit companies are too high, and residents' consumption concepts remain conservative, which to a certain extent affects the stagnation of China's consumption structure. Licensed consumer enterprises represented by Zhaolian Financial have seized the opportunities for the development of the industry to provide modern financial services for consumers of all walks of life, activate economic recovery and stimulate domestic demand.

Zhaolian Financial in the new era

Based on the core concept of "accurate identification, precise matching, fine operation, and exquisite experience", Zhaolian Financial provides inclusive financial services for tens of millions of users and implements inclusive financial services to the end. China Merchants Bank and China Unicom jointly established Zhaolian Financial, with a strong banking background and Internet background, ahead of the industry in terms of platform scale and abundant funds, successfully ranked among the first batch of consumer gold enterprises to enter the national interbank lending market.

Zhaolian financial technology empowers innovation, with professional finance as the engine and interconnection technology as the drive, to provide the public with professional, stable, safe, convenient and real-time on-demand micro-financial services. With two major consumer financial product systems, "Good Loan" and "Credit Payment", Zhaolian Financial has built a closed loop of Internet consumer finance ecology in a real sense through diversified consumption scenarios and first-class service experience, providing customers with timely and effective financial rights and refined exclusive services.

With the continuous expansion of the consumer finance market and the increasing risk, Zhaolian Financial has achieved value development in the consumer finance industry with inclusive business and a sound risk control system, which is widely favored by customers. Consumer finance companies represented by Zhaolian Financial play an active role in improving consumers' living standards and supporting economic growth, and will further expand the development of Internet finance.

Zhaolian good term loan is real, safe and reliable.

Zhaolian Good Futures Loan is a product of Zhaolian Financial, a consumer finance company approved by the China Banking Regulatory Commission and jointly established by China Merchants Bank and China Unicom.

Credit payment is mainly applied for and used in the consumption scenarios of Zhaolian's own e-commerce platforms and cooperative merchants. It can provide users with fast, safe and convenient Internet credit payment methods, and can apply for Zheng Closed, instant approval, overdraft consumption, etc., and enjoy up to 40 days interest-free and up to 60 installment payment services.

Good Loan is a consumer loan product issued to young white-collar workers, which is unsecured, unsecured, very convenient, and carries out online fast borrowing services. Whether it is home improvement, education, tourism, or the purchase of large furniture and electrical appliances, users can quickly obtain the support of good loans. Good term loans are mainly aimed at wage earners, and meet the needs of small loans such as decoration, study abroad, travel, and online shopping for large goods.

Extended information: Zero Spending is aimed at young people, including students and office workers, and is positioned to meet the rational consumption of young people's monthly disposable range. In the initial stage, it will open the main functions such as cash advance, installment consumption and shopping, and installment payment for education and training.

In the future, Linglinghua will further expand consumption scenarios such as learning and education, China Unicom contract machine purchase, connect with more high-quality e-commerce, meet the mainstream shopping needs of young people, and provide them with more fashionable, convenient and intimate services.

Zhaolian Financial is the abbreviation of Zhaolian Consumer Finance.

As a subsidiary of China Unicom Group, China Merchants Finance, a new Internet consumer financial product jointly established by China Merchants Bank and China Unicom, provides data and technical support for Unicom Group's credit score system, and provides financial privileged services.

Credit risk refers to the likelihood that a party to a contract will not perform its obligations, including the risk of loss due to the default of loans, swaps, options and counterparties during the settlement process. Financial institutions are exposed to credit risk when they enter into loan agreements, over-the-counter contracts and credit facilities. Credit risk can be minimized through risk management controls and procedures such as requiring counterparties to maintain adequate collateral, paying margin, and providing for netting clauses in contracts.

Operational risk refers to the risk of loss due to improper operation of a transaction or management system, including the risk arising from a loss of control within the company. Manifestations of loss of control within a company include undetected trading beyond risk limits, ultra vires trading, fraud in transactions or back office (including incomplete books and transaction records, lack of basic internal accounting controls), staff unskill, and erratic and easily accessible computer systems.

The Market Risk Management Department is responsible for writing and submitting risk reports, and formulating and implementing a company-wide market risk management outline. The Risk Management Framework issues risk limits approved by the Risk Management Committee to business units and trading desks, and uses them as a reference to assess, supervise and manage implementation, report special exemptions to risk limitations, and confirm and publish the relevant regulatory requirements of the management authority. This risk management outline provides a clear framework for financial institutions' risk management decisions.

Financial institutions are generally overseen by the Chief Executive Officer (CEO) who oversees the company's global operational and technical risks. The Chief Executive Officer implements a variety of long-term strategic measures to enhance the monitoring of operational risks by optimizing global information systems and databases. General precautions include:

Support the development of the company's business towards multi-entity, multi-monetization, and multi-time zone, and improve the control of complex cross-entity transactions.

Loan sharks with bad morals, don't ask a word when borrowing, rush when repaying, don't agree to apply for an extension or only repay the principal, or agree and say that you haven't said it, ** the recording is not counted, and it is not moral, and you will send your overdue information to all your contacts after the deadline, and also threaten you to receive a court summons, pay attention, it is overdue and that's it.

It's a consumer agencyThe full name of Zhaolian Financial is Zhaolian Consumer Finance****, which is a licensed consumer financial institution jointly initiated and established by China Unicom and China Merchants Bank, and supervised by the China Banking and Insurance Regulatory Commission. Its business scope includes the issuance of personal consumption loans, the acceptance of deposits from domestic subsidiaries and domestic shareholders of shareholders, the borrowing of loans from domestic financial institutions, and the issuance of financial bonds upon approval.

Zhaolian Financial adheres to the guiding ideology of "not forgetting the original intention and benefiting infinitely" and the development concept of "inclusive mission, innovation-driven, core competence and ultimate experience". It has two major consumer financial product systems, "good loan" and "credit payment", and provides users with a full line of inclusive consumer credit services with unsecured and low interest rates.

Zhaolian Financial has fully covered multiple consumption scenarios such as shopping, tourism, education, and decoration. , serving tens of millions of customers, covering the vast areas of the country.

Zhaolian Financial is a consumer finance company, not an online lending platform. Zhaolian Consumer Finance has a variety of loan products, and the online loan platform usually refers to a certain type of loan. In addition, when a user applies for a loan at Zhaolian Financial, he or she needs to authorize the inquiry of personal credit during the application process, and as long as the user's credit is bad, then the user will not be able to pass the loan review.

Extended information: 1. Zhaolian Financial is a comprehensive financial application launched by Zhaolian Consumer Finance, a pure online credit loan platform. Owned by Zhaolian Financial"Good term loans""Pay by credit"The two major consumer financial product systems provide users with full-line, guarantee-free, low-interest inclusive consumer credit services.

2. Platform introduction.

Approved by the China Banking and Insurance Regulatory Commission (CBIRC), Zhaolian Consumer Finance is the first consumer finance company in China established under the framework of the Mainland and Xiangqian Closer Economic Partnership Arrangement (CEPA), with a registered capital of 100 million yuan.

Owned by Zhaolian Financial"Good term loan", "credit payment"The two major consumer financial product systems provide users with full-line, guarantee-free, low-interest inclusive consumer credit services. At present, Zhaolian Financial has fully covered many consumption scenarios such as shopping, tourism, education, decoration, etc., serving tens of millions of customers, and its business covers a wide range of regions across the country.

Headquartered in Shenzhen, Guangdong, it officially opened on March 6, 2015.

3. Product introduction.

1. Cash loans: i.e., "Zhaolian Good Term Loans", "White-collar Loans", "Large Term Loans", and "Student Odd Loans"."and other loan products.

2. Installment**: Use the Zhaolian credit line to consume first and repay later, which can be divided into 24 installments, interest-free and fee-free overdraft consumption, preferential installment shopping.

3. Credit life: provide multi-scenario and installment services such as medical treatment, education, and beauty.

Student Spending: Specially designed for students to provide credit loans, installment consumption services, support undergraduate, master's, doctoral applications, ultra-low interest rates, borrow and repay at any time, without any handling fees.