Who can find more banks to tighten POS water and small loans?
2023-04-24 03:08:39
Due to the difficulty of controlling risks, many banks have tightened pos water loans. This means that the convenient loan channel for small and micro enterprises or self-employed individuals is blocked, and it is difficult to borrow from the bank through the capital flow data. Some bankers pointed out that many banks are very cautious about small and micro loans, and the main direction is to make mortgage loans. So, can small and micro merchants really only get money through mortgage loans?
It is understood that Yilian Huihua's “Quick and Easy Loan†for SME customers has been officially launched, aiming to solve the problem of financing difficulties for small and medium-sized enterprises. “The fast and easy loan service is for all small and micro merchants who use the mobile phone POS machine to provide unsecured and unsecured credit loans. As long as the enterprise merchants have borrowing needs, they can apply at any time and anywhere.†People explained.
What is pos water loan? Why is the bank tightening?
The person in charge of the quick and easy loan said that the bank's POS water loan is to establish a big data risk control model through data such as capital flow data and personal credit information of a company, so as to judge the operation of the enterprise and whether there is potential risk. This quick loan is issued without a mortgage. “For banks, the transaction flow of the customer pos machine is very scientific for assessing the transaction situation. For small and micro merchants, the product is quick and does not require collateral, and the product broadens the financing channel.â€
At the time, pos was regarded as a major innovation in the field of Internet finance. Since the end of the previous year, many commercial banks including China CITIC Bank, China Construction Bank, China Merchants Bank, and Hua Xia Bank have cooperated with third-party payment and launched POS-based Loan service for machine flow data. “But, there have been some malicious fraudulent behaviors in which people are looking for fake counterfeit transactions, and with the entire economy down, banks can only tighten the business.â€
At the current economic downturn, banks are cautious about small micro loans, not only for strict approval, but also for mortgage loans. However, many small and micro enterprises often have no collateral, which also increases the difficulty of small and micro enterprises. Ensuring corporate, personal and capital needs is the primary difficulty that the financial industry has to solve. According to a commercial bank, big data can effectively reduce the non-performing rate by more than 47%.
According to reports, QuickEasy uses its own large and small enterprise merchant big data to conduct credit reporting, and strict risk control for all borrowers. Once there is an act of dishonesty, it will be pulled into the blacklist of the Quick Credit Letter and will never be approved. By screening reputable lenders, the loan non-performing rate is ultimately reduced. "Only if you use the e-paid mobile phone pos machine for one year, the signing merchants can apply for fast and easy loans on the premise of meeting the requirements of the whitelisted wind control model."
Not only that, Yilian Huihua also uses the advanced GPS+WIFI positioning technology to detect the risk of the card from the six types of accurate and effective data, ensuring that the information of the cardholder and the normal operating capital data are true and effective, and for the vertical and effective data. Real-time data detection is carried out to ensure that the use of loan funds is used for production and operation of enterprises. “Quick and Easy Loan should allow different small and micro businesses to enjoy convenient and fast, only 0.067% credit service.â€
It is understood that Yilian Huihua's “Quick and Easy Loan†for SME customers has been officially launched, aiming to solve the problem of financing difficulties for small and medium-sized enterprises. “The fast and easy loan service is for all small and micro merchants who use the mobile phone POS machine to provide unsecured and unsecured credit loans. As long as the enterprise merchants have borrowing needs, they can apply at any time and anywhere.†People explained.
What is pos water loan? Why is the bank tightening?
The person in charge of the quick and easy loan said that the bank's POS water loan is to establish a big data risk control model through data such as capital flow data and personal credit information of a company, so as to judge the operation of the enterprise and whether there is potential risk. This quick loan is issued without a mortgage. “For banks, the transaction flow of the customer pos machine is very scientific for assessing the transaction situation. For small and micro merchants, the product is quick and does not require collateral, and the product broadens the financing channel.â€
At the time, pos was regarded as a major innovation in the field of Internet finance. Since the end of the previous year, many commercial banks including China CITIC Bank, China Construction Bank, China Merchants Bank, and Hua Xia Bank have cooperated with third-party payment and launched POS-based Loan service for machine flow data. “But, there have been some malicious fraudulent behaviors in which people are looking for fake counterfeit transactions, and with the entire economy down, banks can only tighten the business.â€
At the current economic downturn, banks are cautious about small micro loans, not only for strict approval, but also for mortgage loans. However, many small and micro enterprises often have no collateral, which also increases the difficulty of small and micro enterprises. Ensuring corporate, personal and capital needs is the primary difficulty that the financial industry has to solve. According to a commercial bank, big data can effectively reduce the non-performing rate by more than 47%.
According to reports, QuickEasy uses its own large and small enterprise merchant big data to conduct credit reporting, and strict risk control for all borrowers. Once there is an act of dishonesty, it will be pulled into the blacklist of the Quick Credit Letter and will never be approved. By screening reputable lenders, the loan non-performing rate is ultimately reduced. "Only if you use the e-paid mobile phone pos machine for one year, the signing merchants can apply for fast and easy loans on the premise of meeting the requirements of the whitelisted wind control model."
Not only that, Yilian Huihua also uses the advanced GPS+WIFI positioning technology to detect the risk of the card from the six types of accurate and effective data, ensuring that the information of the cardholder and the normal operating capital data are true and effective, and for the vertical and effective data. Real-time data detection is carried out to ensure that the use of loan funds is used for production and operation of enterprises. “Quick and Easy Loan should allow different small and micro businesses to enjoy convenient and fast, only 0.067% credit service.â€
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