First of all, Murray Auto Finance has a reliable reason:
The 1. platform is normal. Murray Financial and Useful Staging, two wholly-owned subsidiaries of Murray Financial, are responsible for the second-hand car consumption staging and personal consumption staging business respectively. Through cooperation with dealers and merchants, we will conduct business and control risks, and connect offline borrowing needs with institutional investors of Murray Financial Cooperation.
2. All financial services are completed by our own company, without entrustment. All the borrowing customers of Murray Financial are completed by Murray Financial itself in the process of development, credit investigation, approval and docking with Murray Platform, and do not rely on any third party.
3. Meiliche Finance built its own intelligent risk control system, which is directly connected with the Credit Information Center of the People's Bank of China and the Credit Information Center of Baijia Bank, and connected to multi-party data information modules to obtain user credit information in time. Through the application of artificial intelligence technology, the waiting time for user information entry and approval is greatly reduced.
Second, the business model of Murray Financial is reliable.
Meiliche Finance pioneered the "hourglass timing" service for second-hand car trading, which fully demonstrated its fast approval and fast loan service, just meeting the rapid demand of consumers. Moreover, at the beginning of its establishment, Meiliche Finance established an offline direct sales model, cooperated with tens of thousands of dealers in more than 300 cities across the country, and comprehensively laid out offline channels by opening direct stores and market stagnation.
Precautions:
1. At present, the second-hand car financial market in China shows a rapid growth trend. However, users tend to choose financial institutions with bank capital background when buying cars by stages, and fast approval process and fast loan speed have become the core needs of consumers at this stage.
2. The close cooperation between online smart risk control and offline professional direct selling mode of Meiliche Finance has enabled Meiliche Finance to achieve the efficient service of extremely fast approval, same-day funds and same-day car use, highlighting the stability of its own risk control and sales system quality.