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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