Recently, the Beijing Communications Administration issued a notice regarding a batch of mobile internet applications that have problems with user rights violations and security risks. Among them was the loan APP "Rong360" operated by Beijing Rong360 Information Technology Co., Ltd., which was cited for collecting personal information in violation of necessary principles.

Rong360 APP is a loan recommendation product. According to the Rong360 APP interface, its "Premium Loan" product offers annual interest rates ranging from 7.2% to 36%.

Recent reports indicate that after filling out and uploading personal information on the Rong360 platform, users received marketing text messages or phone calls from multiple platforms including "Xingwang Hua," "Kuainiao Wallet," "Maoman Hua," "Anyi Hua," "Kaka Loan," "Mimi Wallet," "Zan Hua," "Yuncai Tang," "Cainiao Wallet," "Renxin Hua," and "Zhaolian Finance." Within less than half a month, users received 13 related messages and 20 phone calls.

Investigation reveals that in Rong360 APP's personal information sharing list, there are as many as 17 companies providing SMS notification services to users.

Beyond sharing user personal information with multiple third-party companies, Rong360 also provides referral services to various loan products through its APP, many of which involve companies without proper lending qualifications. These include "Duodian Hua" provided by Guangxi Yunteng Zhichuang Technology Co., Ltd. According to business records, Yunteng Zhichuang was established in May 2021 with Chen Suyuan as the actual controller, and the company holds no relevant financial licenses.

Yunteng Zhichuang has invested in a company called "Zhejiang Qiandu Information Service Co., Ltd.," which public information shows was deregistered in May 2025. This company previously operated an internet investment and wealth management product called "Qiandu Jinfu."

Another example is "Qingsong Youxiang" provided by Shenzhen Kunlun Lianrong Technology Co., Ltd. Kunlun Lianrong was established in April 2025 with Yuan Peng as the actual controller and also holds no relevant financial licenses.

Additionally, the loan products it refers include over forty options such as Beiying Installment, Luxuan Reserve Fund, and Qinghua Premium.

Rong360 was once a leading online loan and credit card application platform in the industry, with monthly active users reaching as high as 90 million at its peak. According to public information, Rong360 was established in October 2011 as China's well-known mobile financial smart selection platform. Its business involves loan recommendations, credit card services, digital financial services, and other areas, with operations covering Southeast Asia, South America, and other countries and regions.

In the first quarter of 2012, Rong360 launched loan recommendation services; in 2013, it introduced credit card recommendation services; and in 2014, it launched wealth management information services. Following the wave of domestic internet finance companies going public in the US, Rong360's subsidiary Jianpu Technology successfully listed on US stocks in November 2017.