That is to say, if you put 1 million out, and if the user repays all the money within 7 days, your gross profit is 350,000. In actual operation, bad debts are inevitable, but as long as the executive email list bad debt rate is controlled within a certain range, the overall benefits are still considerable. Of course, in the process from loan to payment, customer acquisition, data services, payment services, and overdue collection all require a certain cost. But controlling executive email list each link can save a lot of costs. High risk means that under the premise of high fees, high interest rates have already violated regulations.
It's just that these costs are being compliant in different forms, such as transferring these costs to insurance and equity products. However, the regulatory authorities are becoming executive email list more and more strict with this area, so the risk of this area is also getting higher and higher. If the media reports are exposed, the matter will be more serious. There are many related reports on the Internet, so I won't discuss it here. 2. Product executive email list process and operation 1. Process description 1) Credit application Users apply for loans through the APP. Before applying for a loan, an authorization review is required.
When applying for credit, you need to confirm the ID card information (real-name authentication), fill in the mobile phone contact, authorize the mobile phone operator information, authenticate executive email list the living body authentication, Taobao, Jingdong information and other personal related information. After the bank card is successfully signed, submit the credit application (or after the credit is successful, the bank card can be signed before the loan application). 2) Credit executive email list review : After the application is submitted, the background system will automatically generate risk control results through internal risk control and third-party risk control.