义仁贷引入科学的信用审查及风险控制机制，通过长期的摸索将其完善并适用于中国情况，形成了一整套贯穿于前期咨询、贷前审核、贷后跟进、回款管理的全面而严密的服务流程以及分散投资、信用审查、贷后管理等一整套风险控制制度，***程度的保证借款人的资产和信用状况优良和民间出借人资金的安全。
义仁贷希望通过民间借贷信息交换平台，一方面帮助借款人获得资金支持实现理想改善生活，另一方面帮助出资人获得精神物质双重回报，同时为响应国家建设和谐社会的号召出一份力，尽到企业公民的社会责任。
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