Many banks almost stop such POS business! Play but the three parties pay POS?
A bank POS loan refers to a bank building a big data risk control model through data such as capital flow data and personal credit information of a company. This model can judge the operation of the enterprise and whether there is potential risk, and quickly issue loans according to this. Any collateral.
Banks tighten POS loan business "For banks, the transaction flow of customer POS machines is very scientific for assessing their transactions.
For loan customers, it is fast and does not require collateral. For the help of small micro-loan, the product broadened the financing channels, and at that time was regarded as a major innovation in the field of Internet finance, and some banks can operate loans even on pure online. "Related people told reporters.
The reporter also observed that since the end of the previous year, a number of commercial banks, including China CITIC Bank, Jiangsu Bank, Nanjing Bank, China Construction Bank, China Merchants Bank, China Everbright Bank, Huaxia Bank, and Shanghai Pudong Development Bank, have cooperated with third-party payment to launch data based on POS machines. Loan service.
"But, there have been a lot of malicious fraudulent behaviors that look for people to spoof the counterfeit transaction flow. Coupled with the overall economic downturn, the micro-credit rate has risen. Although the credit limit of POS loans is not large, it is often widespread. The problem is a whole piece.
Relevant people told reporters that many banks can only tighten the business. However, the reporter learned from a number of banks that the business has not been suspended, but it is not publicized or encouraged.
Banks are cautious about small micro-credits. Wholesale clothing merchants told reporters: "Now, the secured loans for interconnection and mutual insurance cannot be done, credit loans are difficult to do, and banks are required to have collateral. But we are all light. Assets, not many mortgageable assets, the difficulty of the loan is increased." Although the specific business of the banks is slightly different, they are aimed at small and micro enterprises and individual merchant credit loans. The aforementioned industry insiders said that the biggest impact of POS loan tightening is small and micro enterprises and individual industrial and commercial households. In the final analysis, it is also the performance of banks tightening small micro loans.
So why are so many third-party payment finance giants optimistic about the POS acquiring market? Especially in the POS/MPOS under the heavy gold line, we conducted the following analysis?
1. The theme of this rate reform is the market-based pricing mechanism, so strong capital strength will eventually influence the market share;
2, MPOS is more suitable for the future layout of the mobile payment industry, POS hand brush has natural drawbacks;
3. Payment + Finance is already a perfect capital portfolio. In the past year, the POS market has pushed POS loans, T0D0 funds, big data credits, etc., all of which have made the capital market see its rich returns and potential market prospects. .
4. The POS market will rely more on POS agent resources. With the fee change, we can pay attention to the fact that the previous payment mode relies on the second clear mode, and there is basically no advantage. Constantly strengthening service capabilities, improving the flow of funds, and improving the distribution of agents are still the general trend.
Blush, also known as rouge, refers to cosmetics that are applied on the cheeks and cheekbones to present a healthy and rosy complexion and highlight the three-dimensional appearance of the face. Usually red pigments are used, but brown, blue, bronze and beige are also available to meet the needs of repairing.
According to the different dosage forms, blushers can be divided into liquid, semi-solid, solid dosage forms and aerosols.
Liquid rouge (Liquid Rouge): Liquid rouge is a fluid liquid product, including suspension and emulsification. Its matrix system is dispersion and emulsion respectively.
Cream Blush: Also known as blush cream, it is a bright color, strong hydrophobicity, similar to theatrical makeup oil, color cosmetics for heavy makeup or actor makeup, the world has also appeared in daily makeup can be used Creamy rouge. It is easy to use, has good spreadability, and is suitable for dry skin.
Solid rouge: Solid rouge is the most common type of rouge, including block products that are compressed and solidified by powders and glues, namely powder rouge and loose powder rouge.
Gel Rouge includes two types: anhydrous gel and hydrogel. Anhydrous gels are based on oil-based gels, and hydrogels are based on water-based gels. It has a jelly-like appearance, transparent and trembling elasticity. It can form an elastic film when applied to the skin. The gel-type rouge makes a natural, transparent and shiny face, which is suitable for natural light makeup. Use fingers or sponge to apply makeup evenly.
Aerosol-type rouge (Aerosol-type Rouge): commonly used is Morse-type rouge, which is to disperse colorant pigments in emulsion and propellant, and store them in metal pressure tanks with nozzle valves. When applied on the skin surface, it can form a shiny film with a refreshing texture, which can make a natural and refreshing makeup face. However, the production process of aerosol rouge is complicated and costly.
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