The main characteristics of micro-e-loan:
1) pure online products. Online lending has become very popular, and it is more convenient for users who borrow for a short time. As long as the borrower applies for micro-e loan online, the system will automatically evaluate it without mortgage guarantee. As long as the loan application conditions are met, it only takes a few minutes from the loan application to the receipt of funds, and the mobile phone can operate it.
2) The application threshold is low. Most people can apply, there is no threshold, and they can apply without assets under their names. The maximum amount is 200,000 yuan, which can be handled at one time, recycled and returned with the loan.
3) Apply anytime and anywhere. Because it is automatically audited by the system, there is no need for manual intervention. If you need funds, you can apply at any time 24 hours a day to help yourself throughout the whole process, effectively improving the self-service loan service experience.
In recent years, major banks and financial institutions have successively launched many online loan products. In addition to state-owned commercial banks, there are also some small loans owned by city commercial banks that have attracted much attention. Weifang Rural Commercial Bank has launched a pure online credit loan for Wei E loan, which is operated online all the time, greatly facilitating individuals and enterprises.
Weifang Rural Commercial Bank launched micro-E loan, which is a kind of micro-credit loan. Weifang Rural Commercial Bank has obtained government data resources, in addition to accessing seven interface data sources such as citizenship, social security, provident fund, real estate, motor vehicles, industry and commerce, and marriage. , and collected industry-wide credit data, judicial data and other resources, which can realize the rapid approval of borrowers and achieve the effect of 1 minute application and automatic matching in 3 minutes.
In recent years, Weifang Rural Commercial Bank has strictly implemented the deployment requirements of the provincial party committee, provincial government and superior branches, adapted to the development trend of the Internet and the characteristics of social financing demand, applied the "internet plus" thinking, innovatively launched the pure online product of "Wei E Loan", effectively opened up the online loan channel, truly realized online application, rating credit and approval, and greatly improved the efficiency of loan processing. Since the launch of 17 in July, 1845 people have applied online, and 222 people have been granted credit, amounting to 23.72 million yuan.