Be in what just go 2019 in first quarter, the net borrows platform search to borrow what precede by right of the industry easily to put on record below Sohu banner combine compasses course, successive the monthly that 3 months release in 0 one finance and economics " P2P is rectified and reform put on record a list of names posted up of plan Lang Ya " in before residing sheet of a list of names posted up firmly 3. Be worth what carry is, think as the key one of, information announces an index to hold weight to be as high as 35% in sheet of a list of names posted up.
Regard a dovish operation as 4 years much platform, search borrows follow closely policy easily to direct, answer superintendency call actively, announce with " information all the time transparent close compasses, leasehold project clarity can check " to direct for practice. Father is borrowed easily to hold CEO He Jie concurrently to look in search, protect investor rights and interests, be about to accomplish fair justice above all open and transparent manage, this also is the fundamental premise that combines plan development, accordingly, search is borrowed easily pay attention to seasonable and complete ground to undertake information is announced especially.
Search is borrowed easily joined association of Chinese Internet banking to become director unit in March 2016, be first enter receiving letter of association of Chinese Internet banking wraps around one of systematic enterprises. Search borrows information easily to announce system standard, constituent framework is reasonable, person specially assigned for a task is in charge of, exposure column enclothes the content that the requirement discloses entirely, all exposure all have a legal representative to sign, the port of much channel Internet such as PC end, small gain, APP announces information to agree, the content that information discloses and the content that report superintendency orgnaization are consistent, wait for content without allegation of sex of false account misdirect, of mark true and effective, company letter wraps around to accord with superintendency requirement completely. True, detailed information exposure can eliminate the information asymmetry between a debit and loan Fang Zhi effectively, undertake for lender risk judgement provides a basis.
Protect inspect to meet according to Chinese silver (former silver-colored inspect is met) " news of activity of business of orgnaization of leasehold message medium shows the network how-to " and " the announcement that announces standard and system of self-discipline of form a complete set about information of finance of Internet of print and distribute " (2016 〕 of 〔 of each other golden hair 6) relevant requirement, search borrowed detailed and complete information exposure easily. The place in following two graphs is shown, remarks of one column correspondence is the information detail that search borrows lender easily to be able to inquire in the different node of lend.
In manage " information exposure is transparent close compasses, while leasehold project clarity can check " , search borrows country of carry out travel easily to protect the relevant requirement of legal laws and regulations to individual information, strengthen the privacy of pair of individual borrower information to protect.
Lender can is opposite before lend borrower information, project information, wind accuses the information such as specification of means of information of examine and verify, reimbursement to undertake examining.
Lend is finished and after loan, search borrows lender easily to be able to inquire detailed borrower information in loan agreement, borrow person information in all (if have) and guaranty building information.
Already matched did not expire the project includes loan fund to apply circumstance, borrower to run ability of state and financial standing, borrower reimbursement about information the major news that circumstance of exceed the time limit of metabolic circumstance, borrower, borrower experience tells to circumstance, borrower suffers administration to punish the likelihood such as the circumstance to affect borrower reimbursement is putting add period, can ensure lender rights and interests more thereby.
The information that search borrows easily announced the job to also get coming from superintendency the affirmation of the layer, this year on Feburary 27, net of official of association of Chinese Internet banking reported association P2P net to borrow kind of member unit external information disclosed a case in December 2018. According to the bulletin, up to by December 2018, the letter wraps around the most all ready (namely 5 should be announced and 1 can show Xiang Junda sign) P2P platform has the search below Sohu banner to be borrowed easily, Liu Jin is taken wait for 38. Pursue as follows:
Besides pursuit dovish combine compasses land development, search shifts strategy of benefit of general of carry out travel easily, still devote oneself to to be main measure focusing with Internet informatization technology small small company, run requirement daily around small small company, match lend, promote development of small small economy, help force substance economy.
Search is borrowed easily accumulate through Sohu group around small small company and proprietor of an enterprise, user accredit and tripartite collaboration formed huge data, the single company data that its master amounts to 8000, automatic iteration wind accuses the artificial intelligence that is based on its initiate " of blade of model " wind will promote wind to dominate efficiency and result, apply the technology such as data correlation analysis, machine study to be made to borrower fast and accurate give a letter decision-making. The search that relies on FINTECH shifts a dominant position easily apparent. Its loan cost relatively average level reduces the trade 30% , loan time shortens for the industry 75% of average level, small small company obtains customer cost to be an industry only 50% of average level, personnel efficiency is industry tradition orgnaization 10 times of average level.
