Baidu's loan platform is called Xiaoman Finance. On April 20 18, it left Baidu Finance and operated independently. Youhuahua is its credit service brand, which mainly cooperates with banks and other financial institutions to provide users with personal consumption credit and scene installment services.

Among them, personal consumption credit is a kind of pure credit loan, which has the characteristics of high quota, low interest rate, fast arrival and flexible borrowing. Scene staging service, there are two credit services: all-round education and all-round health. If users need it urgently in their daily lives, they can apply for an all-easy loan.

The Baidu loan platform under BAT has guaranteed background strength, financial license compliance and Internet small loan qualification, and has been connected to the central bank's credit information system. It is a consumer credit service product under the formal supervision of the state, and strictly implements the credit management norms of the People's Bank of China.

In addition, there is no arbitrary charge on Baidu loan platform. The interest rates of various loan products launched are transparent and compliant, and there is no interest rate red line. For example, the annualized interest rate of Fuguihua is as low as 7.2% and the highest is no more than 24%, which is within the scope of legal interest rate protection. In addition, the platform has clear standards for borrowing, and will strictly review the credit conditions of borrowers and only issue loans to borrowers who meet the requirements.

Xiaoman Finance, formerly known as Baidu Finance. 2065438+In April 2008, Baidu announced that its financial services business group had officially completed the signing of the split financing agreement. After the split, Baidu Finance will launch a brand new brand "Du Xiaoman Finance" to achieve independent operation.

Baidu's internet finance business began in 20 13, and in 20 15, the existing financial business was integrated into a financial business group, and the financial business was raised to Baidu's strategic position, and Mr. Zhu Guang, senior vice president of Baidu, was fully responsible.

202 1 65438+2 2 1, Du Xiaoman signed a cooperation agreement with the United Nations Development Programme (UNDP) to jointly promote the "Sustainable Finance Helping Rural Revitalization Project". The project plans to build a "sustainable development innovation service center" (hereinafter referred to as the "innovation center") at the county level, and provide support for the financing of small and micro enterprises in rural areas through the digital industrial service platform.

On 20021September 10, China Small and Medium Enterprises Association and Xiaoman Finance jointly established the Microfinance Branch. Under the guidance of China Small and Medium Enterprises Association, the branch will take the service of member enterprises, small and micro enterprises and individual industrial and commercial households as its purpose, and make full use of technologies such as big data artificial intelligence to reduce the financing cost of small and micro enterprises; Join hands with financial institutions to provide multi-level financial support for the development of small and micro enterprises, including low-interest credit loans; Intensive farming services in different regions and industries provide financing support for small and micro enterprises to adapt to the industry.

On 202 1 July 21day, Du Xiaoman Finance made an emergency donation of100000 yuan through Henan Charity Federation.

What is the name of Baidu loan platform?

Spend a little money-there is money to spend.

Baidu's loan APP is called "Qianhua", which is a loan product provided by Xiaoman Finance of Baidu. It is also the official loan platform produced by Baidu. There is no doubt about security and formality. Even if there is no money to repay after borrowing, it can be negotiated, and it is also a formal telephone collection, not an illegal operation like some online small loans.

I. Product introduction

Youhuahua has several product lines, including "Youhuahua-All Easy Loan", "Youhuahua-Privileged Loan" and "Youhuahua-Short-term Loan", which can be accurately matched according to users' borrowing needs.

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.

Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

Staging music can be borrowed up to 50 thousand!

Click online measurement

Is Baidu wallet loan reliable?

Reliable.

Baidu wallet has now been renamed Du Xiaoman wallet, and Baidu wallet loan is also attributed to Du Xiaoman Finance's rich flowers.

Baidu wallet loan is generally reliable and has the following advantages:

1. The maximum amount of Baidu wallet loan application is 200,000 yuan, which meets the needs of most users. However, the loan amount is affected by personal credit, and the specific situation should be evaluated by Baidu wallet platform.

2. Baidu wallet loan has low interest and fast lending. Compared with other loan platforms, Baidu wallet loan interest is moderate, and normal repayment will not have high interest. Moreover, because the platform uses big data, artificial intelligence and other technologies to evaluate the personal credit status of loan users, the efficiency is very high, and the audit can be completed within a few minutes, and loans can be made.

3. The materials to be provided are simple. Baidu wallet loan only needs the loan user to provide simple personal identification, and does not need to provide other complicated certificates, which provides convenience for the loan user.

4. Repayment can be made in advance. After the loan, if you want to repay in advance, you can apply to the platform, and the approval will be quick, and you can repay at the original interest.

Although Baidu wallet loan has the advantages of high credibility, fast loan speed and large loan amount, it also has certain risks.

1. The consequences of overdue repayment are serious. If Baidu wallet loan is overdue, the repayment interest will increase exponentially, and even the repayment interest may be higher than the repayment principal.

2. The loan cannot be cancelled. If the loan user regrets the loan and wants to cancel the loan, Baidu wallet platform will not approve it successfully. So if you want to get a loan, you must think it over before making a decision.