Which lender is Ctrip Finance?

Ctrip Finance is the official personal microfinance platform under Ctrip Group. The licensee has access to the credit information system of the People's Bank of China. When applying for a loan, you need to check the credit information and repay it on time, otherwise it will affect the credit information.

Ctrip Financial's loan products do not need to charge any pre-loan fees when applying, and interest will be calculated only after the loan is successful. The maximum loan amount is 200,000, and it takes only three steps to apply quickly, and the fastest loan is 1 minute. In other words, it is true to borrow money from Ctrip Finance, as long as it can pass the system audit.

At the beginning of 2020, Ctrip launched a large cash loan with a minimum amount of 50,000 and a pure credit loan of up to 500,000. In addition to credit loans, Ctrip also launched car loans, mortgages and hotel loans, all of which are large loan products.

Recently, some insiders revealed to the consumer industry that the large cash loan products of Ctrip Finance are mainly funded by Nanjing Bank, which is actively deployed in the fields of consumer finance and online finance.

When communicating with the consumer industry, many bankers said that they were actively looking for channels for large cash loans, but found few good assets. In order to ensure the quality of assets, they can only "card" customers and improve risk control standards. Large cash loan assets are becoming more and more tense, and the cooperation between Ctrip Finance and Nanjing Bank has become the reference object of the industry.

The loan products mainly promoted by Ctrip Financial app are: borrowing flowers and taking flowers.

1. Ctrip borrows flowers, with the theme of "taking money to travel". There is no need to provide guarantee or mortgage when borrowing, and the credit line can be recycled to support the loan repayment. The daily interest rate of the loan is at least 0.02% and the maximum loan amount is 200,000. Borrowing flowers is not a direct loan from Ctrip Finance, but a loan from a third-party financial institution. If the investor's system is upgraded, the borrower cannot successfully borrow with the available line.

2. Ctrip takes flowers to get flowers. The main concept is "travel with white stripes", which can be said to be the Ctrip version of the flower garden. When you buy a plane ticket or book a hotel on Ctrip. Com, you can pay by credit line and enjoy an interest-free period of up to 30 days. Take the flower nutrient period as an example, it can be repaid in three phases, six phases, nine phases and 12 phases.