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What are the online loans of private banks?
On May 1 day, Weizhong Bank's "micro-loan" was the first group of users who most met the positioning of "micro-loan" through the white list mechanism, mainly in Weizhong and Tencent. Customers can get a loan amount of 200,000-200,000 yuan, with interest of five ten thousandths. It is a pure online loan product, unsecured and unsecured, and bears interest on a daily basis. Nowadays, individual customers can apply for loans in real time through online banking or mobile banking for personal consumption. Statistics show that since the online banking terminal in June 5438+ 10 last year, the business has issued loans totaling 654.38+05.4 billion yuan in half a year. As early as 20 13, China everbright bank took the lead in launching the online loan business "everbright financial e-loan" mainly for individual customers and small and micro customers. "Guangda Rong e-loan" is a pledge loan business. Customers can obtain loans independently through online banking or telephone banking, with time deposits or government bonds in their accounts as collateral. At that time, China Everbright Bank pointed out that the business only needs to be signed for the first time at the bank outlets, and then all loan processes can be completed online. Subsequently, CITIC, China Merchants Bank, Puhang, China Construction Bank and Agricultural Bank also launched their own online loan products. Among them, CITIC's POS merchant online loan products, China Merchants Bank's lightning loan, Shanghai Pudong Development Bank's POS credit loan, China Construction Bank's fast loan series' fast e-loan' and Agricultural Bank's data online loan all belong to unsecured and unsecured short-term credit loans. By analyzing the reputation and transaction information of merchants or individuals, combined with customer credit information, the evaluation of customer credit is formed. The "pledged loan" in the "quick loan" series of CCB belongs to the pledged loan. Like "Everbright Financial E-loan", the whole process of online operation is realized by pledging qualified pledges, such as time deposits, electronic government bonds, and capital-guaranteed wealth management products.