What is baixin bank in Alipay?

Baixin bank is the first direct selling bank initiated by deep cooperation between Internet companies and traditional banks in China.

Baixin bank was jointly established by Baidu and China CITIC Bank on 20151018. The main difference between baixin bank Co., Ltd. and existing banks is that it has no offline outlets and provides financial products and banking services through the Internet, which is not limited by time and region.

Second, is baixin bank reliable? What's the full name?

Task occupation pit

3. What is CITIC baixin bank Loan?

CITIC baixin bank is a percentage loan app. Baixin bank is an Internet bank jointly sponsored by CITIC Bank and Baidu. Approved by the China Banking Regulatory Commission, it officially opened on 20171018. If the lender shows CITIC baixin bank, then the loan platform for this loan is baixin bank. Baixin bank is an Internet bank jointly sponsored by CITIC Bank and Baidu. Approved by the China Banking Regulatory Commission, it officially opened on 20171018. If the lender shows CITIC baixin bank, then the loan platform for this loan is baixin bank. Baixin bank's consumer credit product is Haohuihua, with a maximum credit line of 200,000, which can be borrowed or repaid.

Baixin bank percentage loan information expansion requirements:

1. The applicant is between 2/kloc-0 and 55 years old and has full capacity for civil conduct;

2. The applicant has a stable job and income and the ability to repay the loan;

3. The applicant's personal credit information is good, and there is no bad record such as overdue;

4. Ordinary credit card or social security with more than six bills.

At present, the maximum applicable amount of percentage loan is 300,000 yuan, and the loan period is between 3 and 24 months. It should be noted that percentage loans are not open to the whole country now, and the cities currently supported are: Beijing, Shanghai, Tianjin, Wuhan, Shenzhen, Guangzhou, Chengdu and Jiangsu Province.

4. I opened the Lohwa card. Why can't I get the card?

"Experience Lehua Card and get 155 days of luxury green diamonds", "Open Lehua Card and get 12 months of iQiyi membership" and "Activate Lehua Card and get a free camera". Recently, a large number of mainstream platforms have appeared advertisements cooperating with Lehua Card, which has become the main source of user complaints.

"It is true that I got a VIP after activation, but the follow-up is really annoying. Within half an hour after the activation, I began to receive loan calls and asked,' Do you need a loan because I know you need funds'. The information is extremely unsafe, and I even doubt whether they will use the ID information I uploaded to get a loan. " Anton (a pseudonym) who saw the advertisement of Lehua Card on iQiyi APP said.

The reporter learned that many users said that every consumption bound when registering a Lehua card account has become a loan with interest to be repaid, and there is a credit record. But when I opened an account, I didn't see that my products were staged, and I was also accused by college students. Without users' knowledge, they cooperate with the education platform to open loans for students.

Director of Digital Economy Research Center, School of Finance, Southwestern University of Finance and Economics told China: "From the perspective of licensed financial institutions, even with the cooperation of lending institutions, it is necessary to control the true wishes and identity information of borrowers and grasp the threshold of qualified borrowers."

After opening an account, the loan phone will continue to consume, that is, the credit will arrive?

Whether advertising on popular platforms or shooting a large number of promotional videos, there are indications that the credit payment product of Lexin (Nasdaq: LX) is Lehua Card.

As we all know, if the credit card is paid off for free, the cardholder does not need to pay interest. Unlike ordinary credit cards, there is no one-month interest-free period. If it is overdue, it will compound interest, which is more similar to cash loans.

Today, Lehua Card has cooperated with more than 50 financial banks, Nanjing Bank and other financial institutions, including most licensed consumer finance companies such as CITIC Consumer Finance, Zhongyuan Consumer Finance and Yin Chang Consumer Finance.

However, in the eyes of people who don't need to borrow money, it is found that the most important product promotion method of Lehua Card is to seize the greed and cheapness of users, jointly launch VIP benefits with mainstream platforms, and send members as soon as they open. Lehua Card is bound to WeChat/can extend the membership time limit. Cooperation platforms include QQ Music, Netease Cloud, iQiyi, Renren Video, Thunder, Light Passenger Camera, Wumart and so on.