"Innovation" is the fundamental driving force for the development of society. With the advancement of science and technology and the development of the Internet, the economy and society have also undergone tremendous changes. Taking the development of small and micro enterprises as an example, the problem of corporate financing has always been a development problem that small and micro enterprises need to face, and in order to solve this problem, banks will also provide corresponding financial loan services for enterprises. However, traditional loan services need to have assets as collateral, and the approval cycle is long, these characteristics in practice we are not difficult to find that traditional loan services are often not suitable for the development of small and micro enterprises, and various loan policies are more focused on the development of large and medium-sized enterprises.
However, as an important part of the national economy and the main force of "stabilizing the market and ensuring employment", the healthy development of small and micro enterprises has an important impact on the development of the national economy. Based on the development of the Internet platform, the online loan platform came into being, effectively solving the development financing problem of small and micro enterprises. However, the online society is mixed, and small and micro enterprise operators should pay attention to screening when choosing an online loan platform, and must choose a large platform that complies with regulations. Taking Dishui Loan, which has been popular among users in recent years, as an example, it is backed by Didi's financial digital technology brand Didi Digital Technology (formerly Didi Finance), relying on Didi Digital's microfinance company, based on Didi's ecological and financial inclusion demand scenarios and platform technical capabilities, and cooperating with a number of licensed and compliant financial institutions such as domestic commercial banks and consumer finance companies to provide users with safe inclusive financial credit products. Its financial services are guaranteed and based on enterprises, and as a formal online loan platform, drip loan needs to examine the borrower's credit qualifications, and will not require the borrower to make a transfer, so once you encounter a loan service that requires the borrower to transfer money online, you must be vigilant, it is likely to be a financial **.
We cannot ignore the important role of online loans in the development of small and micro enterprises. With the help of Didi Digital, Zhang Tao, an entrepreneur from Beijing, completed the financing of the enterprise and helped the company embark on the road of healthy development. Zhang Tao said that the annualized interest rate of bank loans is generally 18%, but the 5% loan interest rate of Didi Finance (now Didi Digital) has greatly reduced the financing cost, and the purchase of vehicles has funds. Zhang Tao's company has cooperated with Didi for many years, and at a critical moment, Didi Finance's special services helped him solve the problem of capital turnover. In fact, since the establishment of Didi Digital, it has been paying attention to the development of small and micro enterprises, up to now, among the credit users of Drip Loan, small merchants, self-employed people, and small and micro business owners account for nearly 40%, and the purpose of borrowing is mostly for business turnover, and Drip Loan has helped more than 100 merchants solve the financing problems in the development of enterprises.
As an important part of the national economy, the development of small and micro enterprises is of great significance to economic growth, employment, technological innovation, and resource allocation. It is precisely because of the emergence of inclusive financial products that small and micro enterprises can continue to maintain their active vitality and promote the sustainable development of the economy at the moment of rapid economic and social development.
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