Do Du Xiaoman Finance and Borrowing belong to online loan platforms?

Du Xiaoman FinanceHebao is an online loan platform.

Du Xiaoman Financial has set up credit and wealth management.

Payments, fintech.

Four major business segments, as well as two open ecosystems of credit fintech and wealth management fintech.

With the overall strategic goal of "building a financial service platform and building a financial technology ecosystem", Du Xiaoman Financial has polished its system model and technical capabilities through its own business to create consumer finance.

and wealth management to help financial institutions transform; In the future, we will provide financial technology solutions through the export of financial technology, and jointly build a financial technology ecosystem with ecological partners.

"Borrow" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

January 9, 2018, or for excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance. At present, the consumer loans launched by e-commerce giants.

It is mainly for the installment in the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, it is aimed at personal credit loans in the non-consumption scenario.

It is also being rolled out one after another.

Du Xiaoman is a legal and formal credit service platform that is trustworthy. The maximum amount of borrowing is 200,000 yuan, the daily interest rate starts, the annualized interest rate starts, and the minimum interest rate for borrowing 10,000 yuan a day is only 2 yuan. At present, Du Xiaoman, together with financial institution partners, has served more than 10 million small and micro business owners and individual industrial and commercial households.

In the next three years, Du Xiaoman will provide trustworthy and comprehensive financial services for 30 million small and micro business owners, and practice the dream of inclusive finance.

Since its establishment, Du Xiaoman has been taking helping small, medium and micro enterprises as its own responsibility and helping the real economy as its mission, and has continuously exerted the advantages of financial technology through practice to solve the problem of difficult and expensive financing for small and micro enterprises, and explored an effective path. Not only that, Du Xiaoman has always taken reducing the financing cost of small and micro enterprises as one of the strategic goals of the company's development.

If you have more questions, you can find **customer service to answer through the Du Xiaoman app. Remember, Du Xiaoman does not charge any margin or verification money for borrowing, and the amount of borrowing will be as much as it gets.

Legal analysis: Du Xiaoman is a regular Internet lending company in China, and the loan contract signed with Du Xiaoman is a private loan. Du Xiaoman Finance is the original finance.

In April 2018, Finance completed the signing of the split financing agreement and launched a new brand, Du Xiaoman Finance. Du Xiaoman Finance has in-depth cooperation with many banks and other financial institutions, and is committed to providing users with reliable and reliable financial services. It mainly includes Qianhua, Du Xiaoman Financial Management (formerly Wealth Management), Du Xiaoman Financial (formerly Wallet) APP products and services, as well as financial technology capabilities for financial institutions and other partners, and currently cooperates with more than 500 financial institutions.

Legal basis: Civil Code of the People's Republic of China

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 680 It is forbidden to block lending at usurious rates, and the interest rate on loans must not violate the relevant provisions of the State. If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

Money is a credit service brand under Du Xiaoman Finance (formerly Finance), the big brand is reliable and has a low interest rate, and the interest rate of Money is determined by the system according to the user's comprehensive situation, the lowest is as low as, and the specific information is subject to the display on the home page of the app after the successful application for the quota. The following is an introduction to the calculation of the interest of the main products of Money.

1. Full easy loan.

The maximum amount is 200,000, and the longest installment is 24 installments, and the interest is calculated as the remaining principal Interest rate The actual number of days borrowed, and the daily interest rate is subject to the display on the homepage of your full easy loan. For example, if you borrow 3,000 yuan, the loan term is 3 installments, your daily interest rate is 10,000 2, and the first installment will generate interest per day; After paying off the first installment, the remaining principal is 2,000 yuan, and the interest will be generated every day; And so on.

2. Privilege Loan.

The maximum amount is 300,000, and the longest installment can be 36 installments, and the borrowing interest of the privilege loan is calculated as follows: the remaining principal Interest rate The actual number of days borrowed; The daily interest rate is subject to the display on the product page. For example, if you borrow 36,000 yuan, the loan term is 12 installments, your daily interest rate is 10,000 5, and the first installment will generate 18 yuan of interest per day.

After paying off the first installment, the remaining principal is 33,000 yuan, and the yuan interest will be generated every day, and so on.

Click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

For such a buried person, looking for a small loan is a very correct choice I have made! So I sincerely evaluate this platform, it's really very good! It is a platform that allows me to use it and try to recommend it!

I have recommended it to my friends! For those of us who don't have enough start-up capital and want to start our own business and open a store, it's just too much help!

For individuals, finding a small amount of money is a very correct choice I have made! So I sincerely evaluate this platform, it's really very good! It is a platform that I highly recommend after using it!

I have recommended it to my friends! For those of us who don't have enough start-up capital and want to start their own business and open a store in Tanqin, we have come here to bury it, it has helped too much!

Many people have not heard of excessive Xiaoman Finance, in fact, Xiaoman Finance is the original finance. At present, Du Xiaoman Finance has become independent, and it is one of the largest financial platforms in China. To apply for a loan on a loan platform, first consider whether the platform is legitimate, and is Du Xiaoman Finance formal and legal?

Let's find out.

Du Xiaoman Finance

Du Xiaoman Finance is a formal and legal platform, which has been praised by relevant departments many times. In December 2020, Du Xiaoman's financial practices in helping small and micro enterprises, poverty alleviation and agriculture, and creating social employment were praised by the United Nations, and it was successfully selected as a "Best Practice Enterprise for Poverty Eradication and Prosperity".

Whether the loan is formal and legal should consider its loan interest rate, collection method and payment speed. Judging from the experience of the majority of users, Du Xiaoman Finance has a high reputation, and the loan interest rate is also in line with national laws and regulations. If you have a need for funds, you may wish to consider Xiaodu Finance.