Ping An Consumer Finance is the first consumer finance company approved to open in 2020. In order to seize the market in the "racetrack" of consumer finance, it moves quickly. Since its opening on April 23, 2020, it quickly released the first gold-eliminating product "Pingxiaoan Orange Flower" on June 30 of the same year.
Among many credit payment products, how to break through the encirclement of "Ping An Xiao Ju Hua" has become a difficult problem in front of Ping An consumer finance. "Pingxiaoan Orange Flower" has a low application threshold and is handled purely online. Users aged 22 to 45 can apply for loans quickly without leaving home. Customers only need four simple steps to complete the whole process of quota application, and the quota can be recovered once, with a maximum quota of 200,000 yuan, which can meet the needs of most users. At the same time, it has created a 7×24-hour fully intelligent and full-line consumer financial service, which is simple and easy to use, and can be bound to WeChat or Alipay to conduct consumer scan code payment in designated cooperative merchant stores.
It is worth noting that as a "technology+finance"-oriented consumer finance company, Ping An Consumer Finance continues to explore financial technology and promote the upgrading and reform of financial services. For example, Ping An Consumer Finance independently developed a set of core technology systems covering the whole business process and life cycle of consumer finance, and created three core capabilities: product experience, intelligent risk control and intelligent customer acquisition, which can provide users with high-frequency transactions and 7×24-hour intelligent consumer credit services, effectively meeting consumers' demand for convenient financial services.
In the business operation of consumer finance industry, financial risk control prevention is undoubtedly the focus. In this regard, how should the consumer financial platform improve its corresponding risk control capabilities? It is reported that Ping An Consumer Finance has given full play to its scientific and technological advantages and built an end-to-end information security protection system based on cloud management and the whole process, effectively protecting user information and solving users' worries.
In the process of rapid expansion of the consumer finance market, traditional financial institutions, licensed consumer financial institutions and Internet companies have begun to lay out, and the competition is becoming more and more fierce. Based on this, Ping An Consumer Finance will continue to deepen the implementation of standards, always maintain high standards and strict requirements, and continue to provide customers with high-quality, safe and reliable consumer financial products and services.