Meituan Small Loan is a loan opened by Meituan, a famous Internet company, which mainly serves small and micro enterprises. The lending process of Meituan Small Loan is supervised and managed by the national network management and financial management institutions.
Meituan's small loan adopts the mode of full-line application, and there are two loan products: extremely fast loan and operating loan. Among them, the loan amount of quick loan is below 50,000 yuan, and the loan amount of commercial loan is below 500,000 yuan. In terms of interest, the daily interest rate of Meituan Small Loan is as low as 0.026%.
Meituan Small Loan does not have high requirements for borrowers. If you are the boss or one of the bosses of small and micro enterprises, you can apply. But the borrower must be 18 years old or older.
It is understood that Meituan Small Loan is completed online with one-click application. Log in directly to Meituan Merchant Edition app (including store opening treasure, take-away merchant edition, hotel merchant edition and comment housekeeper), and click "borrow money" to enter the application interface.
And enter the mobile phone number, get the verification code, log in to the merchant background, and enter the loan link. After submitting the loan application, Meituan Small Loan Association will arrange a dedicated financing service manager for the merchants and contact the merchants by telephone to complete the whole process from application to collection.
In the eyes of the industry, the premise of Meituan's small loan "fast" is to provide the most convenient and high-quality financial services for Meituan's cooperative merchants with big data as the driving force and product, technology and service innovation as the guarantee.
After completing the application process in the early stage, if the merchant wants to return to the "loan page" of Kaidianbao, he can see an ongoing loan application and click to check the loan progress at any time.
Big data system and artificial intelligence system greatly improve the working efficiency of the platform, and at the same time, they can well judge the repayment ability of the applicant merchants and reduce the bad debt rate caused by unknown risks in lending.
After using new technologies such as OCR recognition and face recognition provided by Meituan Cloud, the overall service efficiency of Meituan Small Loan has improved by more than 15%. The loan service experience integrated with new technologies not only ensures the benefits of the platform, but also brings a better loan experience to merchants.
Meituan is a B-side platform, and the loan targets are mostly merchants. As long as there are enough merchants on the platform and maintain good cooperative relations with them, small loan projects can operate well. As an auxiliary tool, Meituan Small Loan can exert its strong business support ability and even revitalize the whole business line.
At present, Meituan's small loan model of "supporting the healthier development of merchants in its own system" has achieved initial results, and Meituan has also adjusted the upper limit of operating loans from 500,000 to 6,543.8+00,000. As long as merchants have been in the Meituan comment ecosystem for more than half a year, they can apply for a loan of up to 654.38+0 million.
By the end of 20 17 and 10, Meituan Small Loan had provided fast, high-volume and low-interest financing services for tens of thousands of small brands, small chains and single-store businesses, and the average approval amount was higher than that obtained from other institutions.
The above is the relevant content of Meituan Small Loan.