(1) Credit investigation. As a formal financial institution, it docked with the central bank's credit information system.

The return system will report the overdue records to the central bank's credit information system, leaving a stain on the overdue personal credit information.

The credit report deeply affects a person's future financial activities, and the stain on the credit report means that it will be difficult for this person to apply for a loan again, which will bring great trouble to his life.

(2) Collecting fines. Liquidated damages for repayment are divided into liquidated damages and penalty interest. The repayment penalty is 5% of the loan amount, and the repayment penalty will be calculated according to the daily interest rate of 0. 1%.

If there is overdue behavior, the overdue person needs to pay an extra fine, causing economic losses to himself.

(3) collection. In order to recover the loan, we will also send someone to collect overdue loans.

The staff will keep calling the overdue person's phone or sending short messages to the overdue person's mobile phone to urge the overdue person to repay as soon as possible.

At the same time, the staff may also disclose the overdue information to the relatives and friends of the overdue person, and the reputation of the overdue person may be affected.

(4) existence. If the staff can't recover the loan after collection, they can use legal tools to safeguard their legitimate rights and interests and bring legal proceedings against those who are overdue.

If the overdue party loses the case, it may apply for compulsory execution to pay off the loan with the overdue party's property.

Extended data:

Huanbai is a credit card billing installment APP, which is jointly operated by Chongqing Focus Company and Shanghai Shuhe, a licensed financial institution, to serve the majority of credit card holders.

Software Name: Return.

Developer: Chongqing Fox Co., Ltd.

Software Language: Simplified Chinese

Software platform: iosandroid

Application mode

I don't want to charge credit card installment fees and interest. I can borrow money by repayment. After borrowing money, I can pay off the credit card bill in installments with low interest, and then I will recharge it every month. If I repay the loan in time, my personal credit will be greatly improved, and it will be convenient to apply for a loan next time.

Operation team

The staff of the return team are all from China Merchants Bank Credit Card Center, so they have very professional practical experience in risk management, product operation and background technical maintenance of the whole business.

The CEO of Xu Zhigang

Former head of China Merchants Bank's core product "Pocket Life", former general manager of China Merchants Bank's credit card center operation department, former general manager of China Merchants Bank's credit card center innovation business center, pioneer of new generation financial mobile product design, and advocate of bank open architecture concept.

Senior financial practitioner in Zhao Jinran.

Former head of China Merchants Bank credit card regional alliance, former head of China Merchants Bank credit card regional market business.

/kloc-engaged in the design, marketing and management of financial products for 0/0 years.

Steamed leaf data scientist

Senior data analyst at CapitalOne, USA, Deputy General Manager of Risk Management Department of Credit Card Center of China Merchants Bank,

Founder of China Merchants Bank Credit Card Data Analysis Center.

Folding safety risk control

In the aspect of risk management, it is mainly through the combination of data, technology and finance to score users in the form of "rules+scorecards" and improve the data model through machine learning. As far as the existing risk control ability is concerned, it is also necessary to realize the "lightning loan" of "filling data-automatic scoring-instant lending", which requires higher risk control ability of Internet finance.

The head of risk control of "Huanbai" was also capitalOne from the United States in the early days, and he also had ten years of work experience in China Merchants Bank. The team's main risk control technology also comes from China Merchants Bank Credit Card Center. It is also hoped that through long-term data inspection and data precipitation, the wind control model will be polished and the wind control will be optimized.

Zhaodong Bank, jointly established by JD.COM Mathematics Department and China Merchants Bank, is under intense preparation.

China Net Finance165438+1October 8, recently, some media reported that it was learned from people familiar with the matter that the direct selling bank "Zhaodong Bank" jointly operated by China Merchants Bank and JD.com was under intense preparation, waiting for the issuance of bank licenses.

According to the survey data, Shanghai Zhaodong Information Technology Co., Ltd. was established in August 2065438+2008 with a registered capital of 80 million RMB, and its legal representative is Liu Jialong, general manager of China Merchants Bank Credit Card Center. The supervisor of the company is Li Shangrong, former vice president of the Department of Mathematics of JD.COM and head of enterprise service group.

The main shareholder of the company is CMB Technology Holdings (Shenzhen) Co., Ltd., with a shareholding ratio of 70% and a subscribed capital contribution of 56 million yuan. Suqian Xindongteng Business Service Co., Ltd. is the second largest shareholder of the company, with a shareholding ratio of 30% and a subscribed capital contribution of 24 million yuan. The suspected actual controller of the company is CMB International Financial Holdings Limited.

CMB Technology Holdings (Shenzhen) Co., Ltd. is wholly owned by CMB Qianhai Holdings (Shenzhen) Co., Ltd., a wholly-owned subsidiary of CMB International Financial Holdings Co., Ltd., and Suqian Xindongteng Business Service Co., Ltd. is wholly-owned by JD.COM Digital Technology Holdings Co., Ltd. (formerly Jingdong Financial Technology Holdings Co., Ltd.).

Is it a formal loan platform? Many comments say that the charges are unreasonable.

Yes; It is also a credit card billing installment APP that serves the majority of credit card holders and helps users solve credit card problems. Huanbai APP 2065438+entered the market in June 2006, and was jointly operated by Shuhe Technology and Focus Small Loan.

It also has the functions of bill installment, installment mall, life discovery and so on. In terms of risk management, it mainly combines data, technology and finance, scores users through "rules+scorecards", and improves the data model through machine learning.

I. Main functions

Help to return the card: the loan is directly credited to the user's credit card, with a high amount: up to 30,000.

Speed: the loan will arrive in 3 minutes.

Consume first and then repay: the consumption amount can also be phased.

Second, the method of use

I don't want to charge credit card installment fees and interest. I can borrow money by repayment. After borrowing money, I can pay off the credit card bill through low-interest installment mode, and then repay it every month. If the repayment is timely, it will greatly promote my personal credit, and it will be convenient to apply for a loan next time.

Third, the operation team

The staff of the return team are all from China Merchants Bank Credit Card Center, so they have very professional practical experience in risk management, product operation and background technical maintenance of the whole business.

1. CEO of Xu Zhigang

Former head of China Merchants Bank's core product "Pocket Life", former general manager of China Merchants Bank's credit card center operation department, former general manager of China Merchants Bank's credit card center innovation business center, pioneer of new generation financial mobile product design, and advocate of bank open architecture concept.

2. Senior financial practitioners in Zhao Jinran.

Former head of China Merchants Bank credit card regional alliance, former head of China Merchants Bank credit card regional market business, engaged in financial product design, marketing and management 10 years.

3. Steamed leaf data scientist

Senior data analyst at CapitalOne, USA, deputy general manager of risk management department of China Merchants Bank Credit Card Center, and founder of China Merchants Bank Credit Card Data Analysis Center.

(Apple 12, ios 14 and version 5.3)

How much is the salary of credit card promoters in China Merchants Bank Credit Card Center?

It is very hard. I go out early in the morning and come back late at night. I stay at home for less than 8 hours every day. Other times, I am on my way to the company or the card office. Many people can't afford to leave in less than a month. There is a lot of mobility here. I recruit a batch, leave a batch, and leave a small number of sales elites. Those people can earn more than 10 thousand a month. It would be nice to get a commission at the beginning. Don't expect too much. Newcomers grow up step by step, with great competitive pressure and strong ability to resist setbacks. In order to complete the task, they often work overtime on weekends. If you can bear hardships and persist, you can try. It's easier said than done. Starting this job may make you poor and it will cost you a lot of money. You'd better prepare for two months' expenses, because the money you get in the first two months is pitiful! There is little room for development. Some have been business representatives for five or six years, but they have not been promoted. If they can stay for a year, they are the best! You can persist in the later stage, improve your sales skills, improve your performance and make money. The last one here is the king. When you are as tired as a dog and can't make money, you will have doubts about this job. If you break through yourself, you can stick to it, and your grades are still ahead, that's good! There are also inspirational stories, from business representatives to directors to managers, the fastest time is 6 years. There is a lot of pressure in the early stage, and the director who doesn't perform well will give you a look. To do this, you must endure the rejection of customers and the blow of superiors. If you break through, you will succeed.

The five-year-old employee replied. At least 8500 yuan a month on average in the future. The deposit base of five insurances and one gold is high, and the provident fund is basically enough to repay the mortgage.

Fresh graduates can go to exercise. At least you can have a deposit in Beijing.

What's the customer service number? Is there a manual service?

Yes, the telephone number of artificial customer service is 4009902525, or you can send an email to the official mailbox to consult :service@lattebank.com.

APP is provided with technical support and product operation by Shuhe Technology, and it is a staged service platform based on daily consumption scenarios. Provide young people with various services such as bill installment and commodity installment. Users can enjoy more flexible, convenient and efficient installment life service in shopping, consumption and repayment scenarios.

Extended data:

Back to the operation team:

The staff of the return team are all from China Merchants Bank Credit Card Center, so they have very professional practical experience in risk management, product operation and background technical maintenance of the whole business.

Xu Zhigang CEO: the former head of the core product "Pocket Life" of China Merchants Bank, the former general manager of the operation department of China Merchants Bank's credit card center, the former general manager of the innovative business center of China Merchants Bank's credit card center, a pioneer in the design of a new generation of financial mobile products, and an advocate of the concept of bank open architecture.

Zhao Jinran: Senior financial practitioner, former head of credit card regional alliance of China Merchants Bank, former head of credit card regional market business of China Merchants Bank, engaged in financial product design, marketing and management 10 years.

Ye: Data scientist, senior data analyst of CapitalOne in the United States, deputy general manager of risk management department of China Merchants Bank Credit Card Center, and founder of China Merchants Bank Credit Card Data Analysis Center.

Give it back, official website.

This concludes the introduction of the general manager of China Merchants Credit Card and China Merchants Card Center. I wonder if you found the information you need from it?