Recently, WeBank's micro-business loan has raised the maximum amount to 10 million, compared with 5 million previously.
The credit line of 10 million yuan is still relatively rare in the current Internet small and micro enterprise loan products.
At present, the maximum amount of MYbank's online business loan is 3 million yuan (even if the amount of the winning loan is 3 million yuan), the maximum amount of Suning Bank's micro-business loan is 3 million yuan, the maximum amount of Jincheng Bank's financial enterprise loan is 5 million yuan, and the maximum amount of Bank of Ningbo's easy loan is 3 million yuan.
In the official introduction of the micro-business loan, it is mentioned that "from application to withdrawal, all ** completed", as an unsecured and unpledged Internet small and micro enterprise loan product, giving customers a limit of 10 million, there is no doubt that it is a very high challenge for risk control.
Perhaps, micro-business loans are also making some adjustments in their business model.
Recently, in a report on WeBank in a financial magazine, Gu Min, chairman of WeBank, mentioned that in the 9-year history of WeBank, there have been changes in the same, one of which is that WeBank has never had outlets, but now it no longer deliberately pursues complete self-help. Based on the differentiated needs of the customer group, appropriate human service intervention is required.
When the leading Internet digital banks have begun to change and need to intervene in appropriate labor, it is conceivable that the market has become more cautious in risk prevention, control and assessment.
Micro-business loan is a mainstream tax loan product for small and micro enterprises in the market, that is, a small and micro enterprise loan product that is mainly based on the tax data of enterprises for credit approval. (It's not that you only look at tax data, of course, any corporate loan product will also look at the liabilities of the enterprise and the legal representative).
When applying, customers need to log in to the entrance of the bank-tax interactive window on the official website of the local electronic tax bureau, follow the prompts given by **, find WeBank on the bank authorization page, and submit the authorization.
The whole credit granting process is also very fast, and the amount can be issued in a few minutes.
The application portal for micro-business loans includes WeBank corporate finance APP, WeBank corporate finance***WeBank micro-business loan***, and individual industrial and commercial households can apply.
There are several features of the micro-business loan product:
Credit entity: enterprise.
Longest term: 36 installments.
Interest Rate: Annualized interest rate 36%-18%
Lending account: general account of other banks.
Repayment account: WeBank internal account.
Repayment method: equal principal, equal principal and interest.
Payment method: self-payment, entrusted payment.
Repayment Date: Fixed repayment date.
The amount of micro-business loan products are:
Micro-business loan - dealer exclusive loan (also known as: order loan): cooperate with the core enterprise, use the dealer order data provided by the core enterprise, and the loan is entrusted to pay to the core enterprise account.
The repayment method of the order loan is slightly different - the official introduction only pays interest in the first 3 months of the order loan, and the repayment is made in the same amount of principal in the next 9 months, which supports early settlement, and there is no handling fee for early settlement.
Micro-business loan - ** business-exclusive loan: add the invoice upload function in the standard process of micro-business loan, and the invoice refers to the invoice of transactions with central enterprises, well-known brand enterprises, listed enterprises, etc.
Micro-business Loan-Science and Technology Innovation Loan: Based on the standard process of Micro-business Loan, the back-end matches the whitelist of science and technology enterprises.
According to the observation of a mutual finance, the main ways to obtain customers for micro-business loans are: channel customer acquisition (such as Kingdee, Baiwang, etc.), telemarketing, live broadcasting, information flow advertising (WeChat Moments), etc. (It must be emphasized that the investment in the above customer acquisition methods is different at different stages.) ）
Micro Business Loan has also cooperated with some banks in joint lending.
WeBank disclosed in its external publicity this year that Micro Business Loan has served more than 4.1 million small and micro market entities, with annual operating income of less than 10 million enterprises accounting for more than 70% of the total number of customers, long-term cooperation with more than 400 brand partners, and more than 200 prefecture-level cities to carry out science and technology innovation financial business, attracting nearly 320,000 science and technology enterprises to apply. (I don't say how many applications were successful).