Loan cycle: Anyihua's approval of HE Tuber and loan is relatively fast. Customers can obtain loans in a shorter period of time. It generally takes 1 to 3 working days from application to approval, which is faster than the bank's approval process.

Low cost of use:
The application process is relatively simple. Customers only need to provide some basic personal information online to apply, which is simpler and faster than the bank's offline process.

Fees are more compliant than non-standard private loans
Number of loan periods: The number of installments supported is 3/6/9/12. Compared with credit card borrowing period, the loan period is longer and the loan period is more guaranteed than that of acquaintances.

Platform compliance is guaranteed:
It is a credit brand under Ma Ma Consumer Finance. It has a consumer finance license and can carry out small consumer loan business nationwide. Its compliance is guaranteed.

The disadvantage is that compared to banks, the interest rate is not advantageous.
In general, compared with other platforms, Anyihua has the advantages of low application threshold, high loan amount, fast loan cycle, and relatively reasonable fees for borrowers. It is an effective supplement to bank channels.

Meet the needs of capital suppliers
MaMa Consumer Finance provided an overall mobile solution for Yangtze River Bank, built a new customer online loan application, electronic account management, and post-loan management channels, and exported mature online customer marketing solutions to assist through technical means Traditional banks serve the people better and practice inclusive finance.

The cooperation between Ma Ma Consumer Finance and Yangtze River Bank represents the new trend of technology-driven financial institutions serving the traditional financial industry - providing technical capabilities to traditional financial institutions, jointly promoting the improvement of financial industry service levels, and ultimately creating better products for users. Service and experience.

Compared with real estate developers, large supermarkets, small and micro enterprises, and government cooperation projects, cooperation with Immediate Consumer Finance has the following benefits:

Wide range of transactions:
Consumption Now has a large user group and high market share. As of May 2023, the number of customers served by Consumption Now has exceeded 100 million. Its business covers 31 provinces (autonomous regions and municipalities) across the country, and has helped more than 7 million users create credit. According to records, it has served a total of 31.8 million rural users and 37.78 million county and town users. Compared with large supermarkets and small and micro enterprises, the transaction scope is wider.
Large transaction volume:
Spend Now mainly provides consumers with financial services such as credit card installment payments and personal loans. The average loan amount per transaction is less than 3,000 yuan, and users can borrow up to 200,000 yuan. Compared with the average single transaction amount of shopping malls and supermarkets, the credit card limit is higher than that of ordinary users. Compared with housing loans and small and micro enterprises, users take consumer loans more frequently.

cut costs:
MaMa Finance's platform can provide quick review and loan services to help banks improve the efficiency of their loan business.
MaMa Finance has a professional risk assessment team and a complete risk management system, which can help banks better assess borrowers' credit risks and thereby better manage loan risks. Compared with large supermarkets, the cost of cooperation is lower.
Compared with other platforms, technology helps reduce costs and increase efficiency more prominently.

Platform compliance is guaranteed:
It is a credit brand under Ma Ma Consumer Finance. It has a consumer finance license and can carry out small consumer loan business nationwide. Its compliance is guaranteed. Compared with small and micro companies, business development is more stable.

Meet the needs of consumers and suppliers
At the beginning of 2018, Masha Finance joined hands with Chongqing Department Store to launch the "Ma Ma Wallet" revolving credit product for offline consumption and online credit + payment. If you are short of funds when purchasing electrical appliances at Chongqing Shangshe Electrical Appliances, Chongqing Electrical Appliances, and New Century Department Store, you only need to submit a one-time application and you can get a credit line of up to 50,000 from "Wallet Now", within which you can purchase any goods in the mall. .
In 2020, an interest-free installment policy for purchasing home appliances will be implemented for consumers.
In 2018, Chongqing Department Store and Masha Finance launched cooperation in the field of smart retail. They launched "face payment" in 4 Chongqing Department Store stores and launched Masha Finance's intelligent customer service robot.
Through cooperation, Masha Consumer Finance and Chongbai Home Appliances have achieved mutual benefit and win-win results. Consumers can choose purchasing methods more flexibly, improving the shopping experience. At the same time, the cooperation between the two parties has also expanded market share and improved brand awareness and influence. This phased cooperation model provides new ideas and methods for cooperation in the consumer finance and home appliance industries, and also provides a useful reference for cooperation with other brands.
Compared with leaflet distribution, supermarkets, advertising, and new media, the main benefits of cooperation between merchants and MaMa Finance are as follows:
Large exposure range: Spend Now has a large user base and high market share, and has a wider reach than leaflets and large supermarkets.
High user conversion rate: Users use Anyihua for a clear purpose of loan or consumption, and Anyihua invites brand manufacturers to enter the online mall. Compared with handing out leaflets, advertising, and new media, users are more likely to make transactions.