P2P platform segmentation, Haochedai advocates the auto finance ecological chain

The era of rapid development of Internet finance has arrived. We can personally feel that Internet finance is changing our lives in all aspects. Especially in the past two years, platforms have mushroomed and competition has become increasingly fierce. Industry segmentation is an inevitable trend in current development. Platform business types such as credit loans, real estate mortgage loans, vehicle pledge loans, equity pledge loans, stock financing notes, etc. are flourishing. It is understood that the auto mortgage loan model is the most popular among platforms under industry segmentation. For people with financial needs, choosing vehicle mortgage to solve their urgent needs has become the first choice for many car owners. For investors, the car loan model is simple, has lower risks, and has higher returns, which is in line with investors’ profit psychology. The continuous improvement of the domestic automobile market's consumption potential also provides a broader development space for the automobile financial ecological chain. The "China Urban Development Report" blue book released by the Chinese Academy of Social Sciences in March 2017 mentioned a set of data that the number of cars owned by a person is the domestic average, let alone the big cities of Beijing, Tianjin and Zhejiang. As people's consumption awareness increases, cars have increasingly become a daily necessity for Chinese families
Industry insiders say that the car mortgage loan platform that attracts the most attention in the online lending industry is Haoche, which is an advocate of the auto finance ecological chain. loan. Since its inception, it has been deeply involved in the car mortgage online loan model, specifically providing mortgage loans and car loan financing services for car owners. The comprehensive borrower credit review mechanism is designed to use as many as one set of credit scoring models for car owners. Haochedai's unique risk control system and mortgage realization model are the safest in terms of risk control, which avoids the slow repayment characteristics of other guarantee models and ensures the safety of investors' funds.
Since its launch, Haochedai has always maintained a leading domestic record of bad debt ratio. It is precisely because of the continuous improvement of user experience and risk control level that we can win countless honors and reputation in the industry. Recently, Haochedai was approved by the State Council to participate in the construction of an Internet financial credit information sharing platform. In the future, the auto finance ecological chain will continue to expand, and Haochedai will also serve as an advocate to better serve Internet finance.