1. Paipai Loan is a financial technology company, which was established in Shanghai in 2007 and successfully listed on the NYSE on 201710. As of 2065438+June 30, 2009, the cumulative registered users of auction loans reached 99.02 million. The cumulative number of borrowers is 6,543,800+0,340; Investment users totaled 644,400, achieving sustained growth; Compared with the same period of 20 18, the refinancing rate increased by 2.4% to 69.8%.
2. As the first governing unit of China Internet Finance Association, the company put legal compliance first, followed the essence of finance, provided financial services to users with innovative technology, and continued to invest in the fields of financial technology and smart finance, and developed a "magic mirror" big data risk control system based on technologies such as big data, cloud computing and artificial intelligence. Paipai Loan also applies big data analysis and ai-centered technology to credit review, risk control, precision marketing and intelligent customer service, and strives to practice the concept of "mutually beneficial economy" to help inclusive finance develop and China.
Three. Paipai Loan is the first Internet financial platform approved by the industrial and commercial department in China, with the business scope of "financial information service" and recognized by the government. With advanced concepts and innovative technologies, Paipai Loan has established a safe, efficient and transparent internet financial platform, which regulates personal lending behavior, enables borrowers to improve their production and life, and allows lenders to increase investment channels. I believe that with the development of the Internet and the improvement of China's personal credit system, advanced ideas and innovative technologies will bring historic changes to private lending, and the loan auction will be the leader of this change.
Fourth, "Finance is within reach, and credit changes China". Pat loan uses advanced concepts and innovative technologies to build a safe, efficient and transparent internet financial platform, standardize personal lending behavior, enable borrowers to improve their production and life, and allow lenders to increase investment channels. With the development of the Internet and the improvement of China's personal credit system, advanced ideas and innovative technologies will bring about historic changes in private lending, and patting loans will be the leader of this change.
5. For users, the online lending platform cannot misappropriate users' funds, which greatly reduces the possibility of illegal fund-raising and platform moral hazard. For the online loan industry and the Internet finance industry, bank deposit is not only related to whether the enterprise meets the compliance conditions, but also related to the confidence of the society and the long-term development of the industry. Zhang Jun believes that online depository will further standardize the online lending industry, which is conducive to win-win cooperation between traditional finance and internet finance.