Lending platforms include Ant Lending, JD.COM Gold Bar and Xiaoman Finance. Lending platform is a company that helps applicants get loans, mainly for the purpose of helping others to get loans. The act of assisting institutions that can lend money to earn fees from it is broadly called loan assistance.

Ants borrow information.

Credit loan is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. 2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

In 2020165438+1October 20th165438+1October 23rd, the ABS financing project of Ant Group was approved, with a scale of 20 billion yuan. On 20021128, Bai Hua launched a new online quota management function, which made it easier for all users to adjust the quota, set expenditure reminders and adjust the payment order.

1October 202 1, 1 1, and the loan in AliPay was updated as a credit loan. After the update, the functions of borrowing, auditing and repayment remain unchanged. At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of their e-commerce platform consumption scenarios, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.