Xiaomi Technology Co., Ltd., a subsidiary of Xiaomi Finance, a subsidiary of Xiaomi Company, can conduct current and regular financial management through the official website of Xiaomi Finance
Xiaomi Finance is a comprehensive personal financial service platform under Xiaomi, which provides services around personal financial needs, including but not limited to: investment and wealth management, loans, securities, insurance, etc.
Xiaomi Finance plays more of a role as an intelligent platform in the Internet finance industry, and Xiaomi Finance is committed to building a platform and establishing a credit system. On the one hand, the data collected by Xiaomi smartphones is used for credit reporting, and on the other hand, a comprehensive financial service platform is created, combined with Xiaomi's e-commerce attributes, to do financial services.
Key features:
Xiaomi Wealth Management: Xiaomi wealth management products are mainly concentrated in two categories: current treasure and fixed treasure, and docking financial products include funds, universal insurance, investment-linked insurance, brokers, etc., flexible investment and stable returns.
Mi Insurance: Mi Insurance is an insurance product of Mi Insurance. At present, comprehensive accident insurance, bank card security insurance, filial piety cancer insurance, Xiaomi serious illness insurance, Xiaomi children's insurance, family fraud prevention insurance, bank card security insurance and other insurance types have been launched.
Xiaomi Loan: "Xiaomi Loan" is a key step towards personal consumption finance, and it is also the beginning of creating a new credit investigation model of "from behavior to finance".
The so-called "from behavior to finance" refers to "the accumulation of online behavior based on the MIUI system and with the authorization of the user, and the evaluation of the user's creditworthiness and repayment ability based on this." For example, online data shows that if a user exercises regularly and maintains a good work and rest habit, to a certain extent, it indicates that the user is in good health, so the price of commercial health insurance will be relatively low. Similarly, if a user often makes online purchases, it indicates to a certain extent that the user has relatively strong spending power, so the loan amount he or she receives will be relatively high. Arguably, similar continuous daily data is less prone to falsification. ”
At present, Xiaomi loans are only available to some invited users, and in the future, the invitation-based application system will be linked, and it will be further open to Xiaomi users. At the same time, for users who have applied for cash credit, Xiaomi Finance provides "installment shopping" products and services, and users can choose the number of installments according to their own situation, alleviating the pressure of users shopping on Xiaomi.com.
