"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
Micro-loans can't be applied, because micro-loans adopt the user invitation system. At present, users are invited to see the entrance of micro-loan in QQ wallet of mobile phone QQ and WeChat wallet of WeChat, and the maximum loan amount can be 300,000 yuan.
At present, the credit line of "micro-loan" to users is between 500 yuan and 300,000 yuan, which varies according to the individual's comprehensive situation. A single loan can be 500 yuan-40,000 yuan.
"Micro-loan" uses the method of daily interest, with a daily interest rate of 0.02%? -0.05%, one day 1 ten thousand, interest 2-5 yuan.
Extended data
Weizhong Bank recently disclosed that under the guidance of Wenzhou Anti-Fraud Center, the micro-loan team of Weizhong Bank and the security team of Tencent Guardian Program strongly assisted the public security organs in Yueqing, Zhejiang Province to crack a criminal case of fraud in the name of counterfeit "micro-loan" and arrested the people involved in the whole case 10, involving about 600,000 yuan.
The relevant person in charge of Weizhong Bank said that there are individual cases of fraudulent use of "micro-loans" in the market, and they have cooperated with relevant partners and law enforcement agencies through various channels to crack down; Working with the security team of Tencent Guardian Program to help Zhejiang police solve the case is one of the measures taken by the bank to crack down on fraud in the name of misappropriation of "micro-loans".
It is reported that Xiao Ye is a self-employed, and he was in urgent need of a sum of money to purchase goods in June+10 this year, so he wanted to obtain a batch of working capital through loans. At this time, she remembered that she had seen a person posting an advertisement for "opening a small loan" in the group chat information before, so she consulted. She never thought that this was a routine of a liar, and she was cheated by nearly 5,000 yuan in the name of opening a handling fee.
After receiving the alarm, Yueqing Public Security Bureau attached great importance to it, and the Criminal Investigation Brigade and Hongqiao Town Police Station set up a task force to conduct serial and parallel investigations on such cases. Through investigation, it was found that since 20 17, the main member Jia Mou and others 10 people have committed fraud in Liaocheng, Shandong Province in the name of impersonating "micro-loans".
201810/kloc-0 from 26th to 3rd1day, the arresting group of Yueqing Public Security Bureau launched a network-closing operation against a fraud gang suspected of impersonating "micro-loans" in Liaocheng City, Shandong Province.
The relevant person in charge of Weizhong Bank said that there is no so-called "internal invitation channel" for micro-loan products. All users of micro-loans are invited by the official review, and all paid help to open micro-loans is fraud.
In fact, Weizhong Bank is cracking down on such fraudulent information in multiple dimensions. First of all, for the source of fraudulent information release, Weizhong Bank actively communicates with various information release platforms to eliminate the source; Secondly, Weizhong Bank also actively contacted and assisted the police in case investigation, and has effectively cooperated with public security departments in Zhejiang, Chongqing and Shandong, and cracked many criminal cases.
In addition, Weizhong Bank has conducted extensive user education and publicity on official and social media, calling on users to be alert to relevant fraudulent information and protect personal information and property security.
After preliminary investigation, the gang was involved in more than 100 cases, involving more than 600,000 yuan. 10 The suspect has been criminally detained by Yueqing Public Security Bureau, and the case is still under investigation. After preliminary trial, the suspects Jia Mou, Shi Moujia and others confessed to the facts of fraud.
Baidu encyclopedia-micro-credit loans
What is micro-loan borrowing?
Micro-loan is a kind of micro-credit consumer loan product. Micro-loan is provided by Weizhong Bank, and users can find the micro-loan entrance on the payment interface of WeChat. Micro-loans adopt the official invitation system. If the user can't find the entrance of micro-loan, it means that the user does not meet the conditions for opening micro-loan.
Micro-loan provides users with 7×24 hours loan service. You can borrow up to 300,000 yuan, and it will arrive in 3 minutes at the earliest. Users do not need to fill in any application materials. Micro-loans bear interest on a daily basis, and there is no penalty for early repayment.
The repayment method of micro-loan is average capital, and the monthly deduction is made from the loan bank card. If the funds in the loan bank card are insufficient, the micro-loan will be deducted from the user's WeChat wallet. Users need to deposit enough funds into the loan bank card before the repayment date.
Users can apply for paying off all the remaining loans at any time from the next day, and the interest will be charged until the day of paying off, with no other fees. Users applying for micro-credit loans need to authorize micro-credit to access the personal credit information system of the People's Bank of China.
Users need to keep a good credit record when using micro-credit loans to avoid overdue. If the user is overdue, Weizhong Bank will upload the overdue record of the user to the personal credit information system of the People's Bank of China, which will affect the user's future use of loans and credit cards.
What is microfinance?
Micro-loan is a formal platform, which is a micro-credit loan launched by Internet Bank and Tencent Weizhong Bank for their own customer groups. However, at present, the user invitation system is adopted, and only invited users can use it. In WeChat software, we can find the entrance of micro-credit loans. If users have loan needs, they can upload their own information and apply for micro-credit loans, which is also very convenient. Internet provides great convenience for our life and money, so we can also borrow money through online banking.
1. Microfinance is a lending product of banks.
Different from other forms of loans, general small consumer loans are products issued by some lending institutions, but small loans belong to bank lending products. Micro-loan is a formal peer-to-peer loan receipt, which was launched by Weizhong Bank. I believe many people know Weizhong Bank, which is an internet private bank in China.
Second, micro-loan is a micro-loan product.
Micro-loan is a micro-loan product launched by Weizhong Bank. If there is overdue repayment, Weizhong Bank will also upload personal overdue records to the personal credit information system, so even if users borrow money with micro-loans, they must repay in full and on time. Only in this way can we ensure our good credit information and solve other credit problems normally in the future.
Third, the interest rate of small loans.
People who use loans are more concerned about the interest rate of loans, which affects our interest expenses. Small loans are calculated on a daily basis, and the daily interest rate is 0.05%. That is to say, using 1 10,000 yuan a day will generate interest in 5 yuan, which is still very high compared with the bank's benchmark interest rate of 4.9%. Micro-loan is a little convenient, but the disadvantage is that the interest rate is relatively high, so we must consider it carefully when choosing micro-loan. After all, this interest rate is much higher than the benchmark loan interest rate.
What is micro-loan on WeChat?
Micro-loan is a personal credit product in WeChat. "Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan. The specific personal credit limit shall be subject to the final approval.