1. "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. It was launched on mobile QQ in May of 20 15 and on WeChat in September.
Second, "micro-loan" adopts the official invitation system. At present, invited users can see the entrance of "micro-loan" in "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
3. "Micro-loan" is the first batch of customer-oriented users who are most suitable for "micro-loan" through the "white list" mechanism, mainly focusing on Weizhong and Tencent. Next, Weizhong Bank will launch QQ wallet and WeChat wallet. Micro-loan adopts user invitation system, randomly selects white list users and invites them to use the products among users who meet the current credit conditions.
Fourth, users only need to bind the bank card, and they can click "borrow money" with one click. The system will judge the personal credit situation within a few seconds and give a certain amount. Users can complete the loan online without any mortgage, and fill in the information according to the corresponding prompts.
5. Users only need to click "borrow money" at the "wallet" entrance of QQ and WeChat, and the system will judge the personal credit situation within a few seconds, and give the loan amount ranging from 500 yuan to 200,000 yuan. Users do not need any collateral, and can complete the loan within 3 minutes by filling in the information according to the corresponding prompts. After borrowing money, it can be settled in advance at any time, with daily interest.
Sixth, it mainly relies on social data accumulated by Tencent for many years and personal credit data of the central bank. In addition to personal credit information, social data occupies a very important part in our scoring system. Whether it's' micro-loan' on WeChat or' micro-loan' on mobile phone Q, users' data in the whole Tencent system products will be fully referenced when granting credit, with emphasis on social data of these two platforms. However, in different channels, the criteria for judging quotas will be focused. For example, the' micro-loan' on hand Q will refer more to the activity of hand Q when setting the credit line for users; The' micro-loan' on WeChat will refer more to the activity of WeChat.