1. Open the "Me" interface on WeChat and select the "Wallet" option.

/iknow-pic . cdn . BCE Bos . com/8694 a 4c 27d 1 ed 2 1 bdba 6 EB 5 ea 36 eddc 45 1 da 3 f 1 a " target = " _ blank " title = " " class = " ikqb _ img _ alink "/iknow-pic . cdn . BCE Bos . com/8694 a 4c 27d 1 bdbax-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto " esrc = " "/

2. Go to the "wallet" window, find the "micro-loan to borrow money" button, and click Enter.

/iknow-pic . cdn . BCE Bos . com/b 3 1 193 13 b 07 ECA 800 c 6 DFC 5c 9 f 2397 DDA 1 448325 " target = " _ blank " title = " " class = " ikqb _ img _ alink "/iknow-pic . cdn . BCE Bos . com/b 3 1 9365438x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto " esrc = " "/

You will jump to a new page. After checking and agreeing to the relevant agreement, just click "Get Quota".

/iknow-pic . cdn . BCE Bos . com/95 eef 0 1 F3 a 292 df 5796369 aeb 23 1 5c 6035 a 873 ed " target = " _ blank " title = " " class = " ikqb _ img _ alink "/iknow-pic . cdn . BCE Bos . com/95 eef 0 1 F3 a 292 df 5796369 aeb 23 10x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto " esrc = " "/

4. The next step is to "authenticate", which is actually to enter the payment password you set on WeChat.

/iknow-pic . cdn . BCE Bos . com/ 5882 b 2 b 7d 0 a 20 cf 442273 b 6478094 b 36 adaf 99d 2 " target = " _ blank " title = " " class = " ikqb _ img _ alink "/ iknow-pic . cdn . BCE Bos . com/5882 b 7d 0 a 20 cf 442273 b 6478094 b 36 adaf 99d 2？ x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1% 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto " esrc = " "/

5. In this way, the borrowing function of micro-loan can be realized, that is, click the "Borrow" button and select the loan amount according to the loanable amount.

/iknow-pic . cdn . BCE Bos . com/46 10 b 9 1 2 c8 fc C3 ce 0 f 590 c 889 c 45d 688d 53 f 20 f 4 " target = " _ blank " title = " " class = " ikqb _ img _ alink "/iknow-pic . cdn . BCE Bos . com/ 466 10 b 9 12 c8 fc C3 ce 0 f 590 c 88x-BCE-process = image % 2f resize % 2Cm _ lfit % 2Cw _ 600% 2Ch _ 800% 2c limit _ 1 % 2f quality % 2Cq _ 85% 2f format % 2Cf _ auto " esrc = " "/

What are the conditions for Weizhong Bank's loan?

The following conditions are required:

The Interim Measures for the Administration of Personal Loans have corresponding provisions:

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended data:

?

Relevant laws of the Interim Measures for the Administration of Personal Loans:

Article 35 When a bank conducts online banking, the board of directors and senior management of the bank shall, in accordance with relevant laws and regulations, formulate the development strategy and operational safety strategy of online banking, and formulate and implement a comprehensive, comprehensive and systematic business management system.

If a city commercial bank needs to increase the variety of online banking services, it should be reported by its head office to the local branch and business management department of China People's Bank for review. When banks apply for new online banking services, they implement two systems: approval system and filing system.

Article 36 A bank shall establish a reporting system for major events in the operation of online banking, and timely report major events such as major leaks, hacker attacks, website renaming, etc. in the operation of online banking to the regulatory authorities.

Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans

What are the main loan conditions for small and micro enterprises?

1. What are the main loan conditions for small and micro enterprises? Conditions for small and micro enterprises to apply for credit loans: 1, with sufficient cash flow; 2. Small and micro business owners have good credit; 3. The enterprise has been successful for more than two years; 4. Can provide effective financial proof; 5. Small and micro enterprise owners have strong repayment willingness and the ability to repay in full and on time; 6. Established a stable cooperative relationship with banks; 7. Other conditions required by the bank. Second, the main difficulties faced by small and micro enterprises in financing at present: due to the low qualification of small and micro enterprises and the lack of mortgage guarantee, financing difficulties and high financing are the same problems faced by the development of small and micro enterprises all over the world. The bottlenecks and difficulties encountered by small and micro enterprises in financing are mainly reflected in: 1, the financing channels are very limited, the financing conditions of small and medium-sized credit institutions in banks are complicated, the procedures are cumbersome, the cycle is long, the financial supply services can not keep up, and the proportion of industrial enterprises obtaining credit qualifications. At present, listing and equity financing can only serve minority enterprises. The trading of the New Third Board and the Stock Exchange Center is not active, and the function of revitalizing assets and discovering value has not been realized. The comprehensive tax burden of New Third Board enterprises is as high as 138%. The financing cost of collective bills, private debts and collective debts of small and medium-sized enterprises is high, the risk of default is high, and the scale of guarantee business of small and medium-sized enterprises is shrinking; Microfinance companies and P2P peer-to-peer lending platforms provide limited services for Xiao Wei's lending capacity. 2. The financing cost of micro-enterprises is relatively high. In addition to the high loan interest rate, effective collateral, guarantee fees, consulting fees, evaluation fees, loan renewal fees and other fees have also pushed up the financing costs of enterprises. Enterprises can only get loans of 30-80% of the assessed value from banks, some of which are issued in the form of acceptance bills, and the "bridge-crossing" funds for emergency turnover of enterprises need to pay high costs. Small and micro enterprises get financing from microfinance companies and P2P platforms, and the average borrowing rate is around 20%, which is much higher than the real price cost of funds. 3. Rising loans and asymmetric information restrict the micro-finance business from being affected by the slowdown of economic growth, and the high-risk financing characteristics of small and micro enterprises appear, and the non-performing loans of small and micro enterprises in banks increase. At present, the non-performing loan ratio of domestic banks and financial institutions is about 1%, and the main growth points of non-performing loans come from small and micro enterprises and some industries with overcapacity. The asymmetry of information and income risk between banks and enterprises under the traditional credit model restricts the development of microfinance business. 4. Small and micro enterprise credit products are not targeted enough. Small and micro enterprises have more restrictive credit products, less personalized and differentiated credit products, more liquid loans in support direction and less constructive loans; In the way of risk control, there are more mortgage loans and less credit loans; In terms of loan term, there are many one-year loans and few ultra-short-term and long-term loans, which is difficult to meet the short, small, frequent and urgent financing needs of small and micro enterprises; The acceptance bill drawn by the bank has lengthened the payment cycle of the enterprise and aggravated the shortage of funds. Financial product innovation of small and micro enterprises needs to be strengthened. Banks are willing to lend to small and micro enterprises. Of course, it is also necessary to evaluate the ability of small and micro enterprises to repay loans. Applying for bank loans is the most important financing method for most small and micro enterprises. However, there are many small and micro enterprises in the market, but few can really gain a foothold in the fierce competition environment. If we can establish a stable cooperative relationship with the bank, it will certainly be of great benefit to the loan.

Weizhong bank loan application conditions

The application conditions for micro-enterprise loans of Weizhong Bank mainly include the following points:

1. The age is above 18 years old (inclusive) and he holds a Chinese mainland resident identity card;

2 is the legal representative of the enterprise;

3 enterprises operating well, stable income, the ability to repay the principal and interest of loans on schedule;

4. The enterprise and the business owner have a good reputation, and there are no bad credit records and serious negative information in the credit report.

General taxpayer enterprises, small-scale taxpayer enterprises and individual industrial and commercial households can apply for micro-enterprise loans. However, we also need to note that microfinance is not open to the whole country. For the time being, only Hunan, Guangdong, Zhejiang, Jiangsu, Henan, Hebei, Jiangxi, Anhui, Fujian, Sichuan, Guangxi, Shandong, Shanxi, Hubei, Shaanxi, Liaoning, Yunnan, Hainan, Tianjin and Chongqing are within the scope of application, and the remaining provinces and cities are still being opened (the specific supporting cities are subject to the application EPAPP). If customers want to apply, they can directly log in to the enterprises and enterprises of Weizhong Bank.

The main products of Weizhong Bank:

Weizhong Bank has successively launched micro-loans, micro-loans, micro-car loans, Weizhong Bank App, Weizhong Enterprise Aipu App, Goose Spend Money, We2000 and so on. In the three major business sectors of public bank, direct banking and scene banking.

1. Microfinance

The micro-credit product "micro-loan" launched by Weizhong Bank has issued 460 million loans to more than 28 million customers in nearly 600 cities in 3/kloc-0 provinces, municipalities and autonomous regions, with a total loan of more than 3.7 trillion yuan. About 77% of "micro-loan" credit customers are engaged in non-white-collar service industry, and about 80% are college graduates or below; The average loan is about 8,000 yuan, and the interest on more than 70% of the settled loans is less than 100 yuan.

2. Microfinance

Weizhong Bank launched China's first online unsecured corporate liquidity loan product-Weizhong Industrial Loan. More than 70% of microfinance customers are manufacturing, wholesale and retail and high-tech industries, and more than 60% of enterprises have obtained bank corporate loans for the first time. Micro-credit services for small and micro enterprises have more than 65.438+0.7 million corporate customers, with accumulated loans of nearly 400 billion yuan, indirectly supporting nearly 4 million people's employment. From June 20438 to October 2020 10, Weizhong Bank further upgraded its corporate financial service brand to "Weizhong Enterprise+"on the basis of micro-loans, serving the financial and non-financial needs of small and micro enterprises and building a full-link business service ecosystem.