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Credit Guarantee
AIFUL and LIFE CARD jointly develop credit guarantee partnerships with financial institutions, in which the Group provides debt guarantees for customers using loan products offered by partner institutions and receives guarantee fees in return. By combining the strong regional brand presence of financial institutions with AIFUL’s credit-assessment expertise, this collaborative model supports the development of loan products. For financial institutions, the key benefits include reduced credit loss risk and enhanced credit decisioning, while for the MUNINOVA Group, the model contributes to revenue growth through fee-based businesses leveraging credit expertise.
In addition to standard unsecured personal loan guarantees, the Group also offers guarantees for unique personal debt-consolidation loans, corporate loans, and real-estate-secured loans. Owing to the high levels of “safety,” “growth potential,” and “operational efficiency” of these schemes, the Group has earned strong support from a wide range of partner institutions.
Going forward, the Group will continue to utilize the credit expertise developed over many years to further expand its network of guarantee partners.
