小米金融品牌怎么样

小米金融是小米公司旗下个人综合金融服务平台，围绕个人金融需求来提供服务，包括但不限于：投资理财、贷款、证券、保险等。

小米金融在互联网金融行业更多扮演智能平台的角色，小米金融致力于打造平台和建立征信系统。一方面利用小米智能手机所搜集到的数据来做征信，一方面打造一个综合的金融服务平台，结合小米的电商属性，来做金融服务。

主要功能

小米理财：小米理财产品主要集中在活期宝和定期宝两类，对接金融产品包括基金、万能险、投连险、券商等，灵活投资、收益稳健。

小米保险：小米保险是小米公司旗下保险产品。目前已上线综合意外险、银行卡安全险、孝心防癌保、小米大病保、小米少儿保、家人防骗险、银行卡安全险等险种。

小米贷款：“小米贷款”是其迈向个人消费金融的关键一步，也是打造“从行为到金融”新型征信模式的起步。

所谓“从行为到金融”，即“基于MIUI系统，经用户授权，积累其在线上行为，并依据此对用户的信用程度和偿还能力等进行评估。比如，线上数据显示，某用户经常锻炼并保持良好作息习惯，则在一定程度上表明该用户身体较为健康，那么其购买商业健康险的价格就会相对较低；同理，某用户经常在线上进行购物，则在一定程度上表明该用户消费能力相对较强，那么其获得的贷款额度就会相对较高。可以说，类似的连续的日常数据更不容易造假。”

目前小米贷款只面向部分邀请用户，未来邀请制+申请制联动，对小米用户进一步开放。与此同时，针对已经申请到现金授信的用户，小米金融提供“分期购物”产品服务，用户可根据自身情况选择分期期数，缓解用户在小米网购物压力。

Xiaomi finance is a comprehensive personal financial service platform of Xiaomi company, which provides services based on personal financial needs, including but not limited to: investment and financing, loans, securities, insurance, etc. Xiaomi finance plays a more intelligent role in the Internet finance industry. Xiaomi finance is committed to building a platform and establishing a credit system. On the one hand, use the data collected by Xiaomi's smart phone to do credit investigation, on the other hand, build a comprehensive financial service platform to do financial services in combination with Xiaomi's e-commerce attributes. Main functions Xiaomi financial management: Xiaomi financial management products are mainly concentrated in two categories: current treasure and regular treasure. Docking financial products include fund, universal insurance, investment linked insurance, securities companies, etc., with flexible investment and stable income. Millet insurance: millet insurance is an insurance product of millet company. At present, it has launched comprehensive accident insurance, bank card safety insurance, Xiaoxin cancer insurance, Xiaomi serious illness insurance, Xiaomi children insurance, family fraud insurance, bank card safety insurance and other insurance types. Xiaomi loan: "Xiaomi loan" is a key step towards personal consumer finance, and also the start of building a new credit model of "from behavior to finance". The so-called "from behavior to finance", that is, "based on MIUI system, through user authorization, accumulate their online behavior, and evaluate the user's credit degree and repayment ability according to this. For example, online data shows that if a user often exercises and keeps good work and rest habits, to a certain extent, it indicates that the user is in good health, so the price of purchasing commercial health insurance will be relatively low; similarly, if a user often purchases online, to a certain extent, it indicates that the user's consumption ability is relatively strong, then the amount of loan obtained will be the same Relatively high. It can be said that similar continuous daily data is not easy to fake. " At present, Xiaomi loan is only available to some invited users. In the future, the system of invitation + application linkage will be further opened to Xiaomi users. At the same time, for users who have applied for cash credit, Xiaomi finance provides "shopping by stages" product services, and users can choose the number of stages according to their own situation, so as to relieve users' shopping pressure on xiaomi.com.

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