Zhiwei Technology was established in 2014 and is headquartered in Beijing. It was co-founded by UFIDA Finance, CreditEase and Sunco China executives and financial professionals. It currently has 60 employees. Zhiwei Technology is committed to Internet financial enterprise services, mainly engaged in the development and service of financial enterprise operation management software. The P2P online loan platform, property crowdfunding platform, wealth management system, and loan management system provided by the company have been successfully applied to hundreds of companies and tens of thousands of end users. The main customers of Zhiwei Technology include Zhongzhou Weiye, Puda, Zhongsheng Assets, Weilian Wealth, Tongxin Finance, Zhongrong Guohua and other nearly 100 enterprises.
There are four main operating modes of p2p online lending platforms:
First, the guarantee agency guarantees the transaction mode, which is also the safest P2P mode. Such platforms act as intermediaries, the platforms do not absorb deposits or lend, but only provide financial information services, with double guarantees provided by cooperative small loan companies and guarantee institutions.
2. The transfer mode of creditor's rights contract under the P2P platform.
3. Internet service platforms launched by large financial groups.
4. A comprehensive transaction model based on transaction parameters and combined with O2O (Online to Offline, which combines offline business opportunities with the Internet).