Credit unions should be released as credit for urban white-collar workers

In accordance with the "2014 Spring 2014 Chinese employers' demand and white-collar talent supply report" released by Zhaopin, the average monthly salary of white-collar workers in domestic first-tier cities remains at around RMB7,000. However, according to the latest statistics on the spot prices of residents, the price of per square meter in the north deep is now maintained at around 20,000 to 30,000 yuan on average. Therefore, it is clear that forced by the pressure of housing prices, Then it will be difficult to support some of the large-scale rigid demand for white-collar workers. Therefore, by applying for credit loan advisory services to the P2P platform represented by Yixin Loans, it gradually becomes the preferred white-collar capital solution for urban white-collar workers.

In general, white-collar workers borrowing purposes mainly marriage, car purchase, tourism, decoration, training, etc., and the average level of funds required for these acts about 50,000-100,000 yuan. However, due to the low amount of loans, there is no mortgage guarantee, so it is very difficult for the white-collar workers to solve the capital needs of the small loans through the traditional financial service agencies.

However, although white-collar workers generally do not have the assets that can be mortgaged, the credit qualifications of these people are actually relatively good. According to Yixin Pleasant Loan data show that urban white-collar workers are generally well-educated, more than 70% of the bachelor's degree, mostly in the 25-35 age, most of them have a stable job, it is a high-growth population, there are Very good repayment ability and willingness to repay.

Renmin University of China Credit Management Research Center Professor Wu Jingmei believes that credit is a kind of capital. This kind of capital consists of credit will and credit ability, can be traded, measurable, manageable, has social value, economic value and time value. Therefore, helping white-collar borrowers to release their credit value will not only improve the life of white-collar workers, but also facilitate the collection of diversified credit data and establish a more complete credit system.

Not long ago, the State Council issued the "Social Credit System Construction Plan (2014-2020)". According to the outline, the main goal of the construction of social credit system is that by 2020, the basic credit laws and regulations and standards system for social credit will be basically established. The credit reporting system covering the entire society based on the sharing of credit information resources is basically completed. The basic credit regulatory system Sound, perfect credit market system, trustworthy incentives and dishonesty mechanisms play a full role.

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The Loan for Loans is a unsecured unsecured network loan and financial advisory service platform launched by Credit Suisse Corporation to provide a platform for white-collar borrowers with financial needs and lenders with wealth management needs to build a relaxed, convenient and transparent network interactive platform.