Suning wayward invitation credit 100 billion ** 800 million pen

Wayward pay more "willfulness"?

On May 29 last year, Suning Consumer Finance Co., Ltd., the first domestic licensed Internet consumer financial institution, was established. According to statistics, in the past year, the company’s first consumer credit product, Ren Xingfu, issued a credit invitation to 20 million people. The cumulative invitation credit amount exceeded 100 billion yuan, and the number of consumer loans issued exceeded 8 million. The highest single day loan amount is close to 300 million.

“Lesbian” O2O Layout: Online Willfulness, Covering More Than 1,000 Stores

This year, relying on Suning Tesco, Yi Fu Bao and other online platforms, relying on the Suning stores under the line, Suning Consumer Finance Corporation has uniquely completed the O2O layout of Internet consumer finance: the formation of "servile pay" as the main The product system, which is supplemented by staged installment loans, such as decoration, renting, education, and tourism, is a new stage of professional multi-divided installment credit platforms.

In the same year, the wayward performance paid for the Suning to create a "supply chain finance + fund insurance + consumer credit" financial ecology complemented the last link, and achieved the financial layout of the entire industrial chain. Wayward pay through the close integration with Suning Tesco, in the 618,818, double eleven, double 12 and other big promotion period launched the whole site interest-free activities in phases, warmly welcomed by the market, the number of users and loan amount doubled .

This year, the wayward payment basically covered the Suning stores in the first and second-tier cities in China. Users can purchase from a fee-for-serve payment to use-willfulness, a mobile phone, and can enjoy "interesting" benefits such as purchase-free interest-free installment, reduced purchase amount, and cash rewards. In the whole year, nearly 200,000 users have applied for a fee-for-service payment at the Suning store, and more than 100,000 people have enjoyed the privileges reduction. Wayward pay this year will accelerate the pace of development, covering more than 1,000 stores in Suning.

"Lesbian" cheap finance: daily interest rates as low as 0.02%

This year, "inclusive finance" is not an empty slogan. Relying on Suning's big retail data, combined with third-party credit information, through portraits of consumers' historical behavior, Wayward paid to create a new type of credit model, covering more blue-collar students, students and farmers and other low-income people. The advanced risk control technology effectively reduces the operating costs and ultimately benefits the consumers through preferential pricing.

The fee-for-month installment fee and cash loan fee are generally lower by two to three percent or more than bank credit card installments and Internet installment loans, and help consumers save interest expenses by up to 200 million yuan a year. During the first anniversary, the daily interest rate on cash loans is as low as two-tenths of a percent, which is more than 50% discount to similar products in banks.