2. Need to pay overdue fees: from the overdue date until the debtor pays off the debt, the penalty interest will be calculated. An Yihua's penalty interest is generally the normal interest rate multiplied by 1.5 times.
3. It is more difficult to handle credit business in the future: once the credit information is tainted, it will not only be difficult to continue to handle loans and other businesses in Anyihua in the future; At the same time, users going to other financial institutions to apply for credit cards and loans will also be adversely affected.
1, Anyihua is a revolving line financial service application software launched by Immediate Consumer Finance Co., Ltd..
On June 3rd, 2020, China Internet Finance Association released the real-name filing list of mobile financial client application software (the first batch), and the core product of consumer finance "Yihua" was selected immediately. At this point, Instant Finance became the first licensed consumer financial institution to complete the filing of mobile financial clients.
2. Anyihua [1] is a revolving line financial service application launched by Instant Consumer Finance Co., Ltd., with 39.5 MB software, and version 2.2.0 has been developed; Anyihua provides a maximum revolving line of 50,000 according to the credit qualification of users. Within the credit line, users can choose to use cash borrowing and repayment, cash installment, interest-free consumption, bill installment and other services.
3. On 20021June 15, the Consumer Protection Bureau of China Banking Regulatory Commission notified consumer finance companies of their actions against consumers' legitimate rights and interests. According to the report, the promotion of instant money elimination of "Yihua" APP is exaggerated and misleading, and the homepage has a propaganda statement of "ultra-low interest rate". Take an easy-to-spend APP loan test as an example. The loan is jointly funded by Kuaiqian and the bank and underwritten by the insurance company. During the whole loan application process, the insured was not informed of the insurance cost in advance, and the key insurance clauses were not prompted and explained.
4. Adhering to the mission of "making life simpler", we will immediately take users as the center and inclusive finance as the core, and strive to build a trustworthy financial service provider through technological empowerment and innovation to provide small and scattered consumer financial services for all sectors of society and groups with financial service needs. The company actively promotes consumption upgrading, stimulates domestic demand, serves the development of the real economy, and constantly makes positive contributions to economic and social development such as local taxation and employment.
5. As a technology-driven financial institution, Instant Finance has selected high-tech talents in the fields of finance, big data and artificial intelligence on a global scale, and established a technical team with more than 1000 people and a big data risk control team with more than 300 people. It has successively set up internal scientific research platforms such as Artificial Intelligence Research Institute, Postdoctoral Research Center, Smart Finance and Big Data Analysis Laboratory, and also established the National Applied Mathematics Center with Chinese Academy of Sciences, Chongqing Normal University and other scientific research institutions to carry out horizontal research projects and continuously improve Industry-University-Research cooperation.