Weizhong Bank is a private bank initiated by many well-known enterprises such as Tencent, Baiyeyuan and Liye. Weizhong Bank obtained the financial license issued by the state in 20 14 and 12, with a registered capital of RMB 3 billion. Weizhong Bank strictly abides by national financial laws, regulations and regulatory policies, and is committed to providing high-quality and convenient financial services to the general public and small enterprises. Tencent said that Weizhong Bank is currently in the internal testing stage. 65438+1The customer who got the first loan on October 4th was the first customer specially invited by Weizhong Bank. The loan was issued on June 4, 65438, and the issuance process met the requirements of relevant laws and regulations. Weizhong Bank will be put into trial operation on June 5438+1October 18, and officially open to the public on April 18; During the trial operation, the first product named "Credit Payment" will be launched to support users to "consume first and then pay" in the online consumption application scenario.
In fact, the purpose of the trial operation of Weizhong Bank is to evaluate the current systems and products in a small scope. System and product development, business and customer development have all entered the critical stage of sprint. The official of Weizhong Bank said that during the trial operation, Weizhong Bank will invite target customers to participate in the trial operation of the bank on a small scale through internal analysis and information screening, and gradually increase the number of invited customers.
What is Weizhong Bank?
Weizhong Bank was founded by well-known private enterprises such as Tencent, Baiyeyuan and Liye Group. Weizhong Bank, headquartered in Shenzhen, was approved by the regulatory authorities on 20 14 and 12. It is the first private bank and internet bank in China.
Weizhong Bank has a registered capital of RMB 3 billion, mainly initiated by Tencent, Baiyeyuan and Liye. Among them, Tencent subscribed for 30% of the bank's total share capital and became the largest shareholder.
Weizhong Bank and logistics platform Huitong Tianxia, online decoration platform Tuba Rabbit, used car e-commerce platform Xinyou used car and other well-known domestic Internet platforms jointly developed products. By connecting Internet companies with data and users, Weizhong Bank's financial products are applied to its service scenarios, and the benefits brought by Internet finance are vertically penetrated into the basic necessities of ordinary people.
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Business scope of Weizhong Bank
The business scope of Weizhong Bank mainly includes: taking deposits, issuing loans, handling settlement, bills, bonds, foreign exchange, bank cards and other businesses, which seems to be no different from traditional banks. But in fact, there are two differences: first, small loans, the main target customers are the working class, freelancers, migrant workers and other ordinary people, as well as small and micro enterprises and entrepreneurial enterprises that are in line with national policies.
Second, there are no physical outlets, and the business is completed online. Unlike traditional banks, which mainly focus on large enterprises and large projects, Weizhong Bank mainly absorbs deposits from individuals and small and micro enterprises and issues loans to individuals and small and micro enterprises. In terms of business structure, because our customers are different from other banks, it is impossible to build large and comprehensive things, such as large corporate departments.
What is Weizhong Bank?
The full name of Weizhong Bank is Shenzhen Qianhai Weizhong Bank Co., Ltd., which was established on 20 14 12 16. It is the first internet bank in China. Weizhong Bank focuses on providing better and more convenient financial services for small and micro enterprises and the general public. On June 5438+1October 65438+May, 2020, the "Weizhong Bank App" was released online, further facilitating public use.
At present, Weizhong Bank has launched products such as micro-loan, micro-industry loan, micro-car loan, Weizhong Bank App, Weizhong Enterprise App, Goose Money, We2000, etc.
Although Weizhong Bank is an Internet bank, it is still a state-regulated bank. The biggest difference with traditional banks is that they have no physical outlets. Like traditional banks, there is no problem with security.
In terms of capital security, according to the list of financial institutions participating in deposit insurance published by the People's Bank of China (as of the end of 20021kloc-0/2), the serial number 4027 is Shenzhen Qianhai Weizhong Bank Co., Ltd.
In terms of data security, Weizhong Bank must abide by national laws and regulations, and may not disclose or sell customer information to third parties without permission. These behaviors are illegal, so data security can also be guaranteed.
There is a fact that the major shareholder of Weizhong Bank is Shenzhen Tencent Domain Computer Network Co., Ltd., and Tencent is known to almost the whole country. Therefore, the possibility of Weizhong Bank going bankrupt is very slim at present.
What does Weizhong Bank do?
Weizhong Bank is an Internet private bank controlled by Tencent, and Tencent holds 30% of the shares of Weizhong Bank. Therefore, Weizhong Bank itself is not a wholly-owned bank of Tencent.
Weizhong Bank is a bank founded by well-known enterprises such as Tencent, Baiyeyuan and Liye Group. In 20 14, with the approval of CBRC, Weizhong Bank became the first private internet bank in China. The registered capital of the company is 3 billion yuan, of which Tencent holds 30%, making it the largest shareholder of Weizhong Bank.
Weizhong Bank currently has three main businesses, namely consumer finance, mass wealth management and platform finance. Among them, consumer finance, Weizhong Bank launched a representative product, micro-loan. As a micro-lending platform of Weizhong Bank, micro-lending is mainly promoted through WeChat and QQ.
This answer is provided by Hua Qian. I hope it will help you. Youfuhua, like Ali's lending and Tencent's micro-lending, is a credit service brand of Xiaoman Finance (formerly Baidu Finance), belonging to a big company and brand, formal and safe. Its interest rate is not only low but also very reliable. Relying on Baidu's technology and scene advantages, the company used artificial intelligence and big data risk control technology, and accumulated loans of more than 400 billion yuan, providing convenient, fast and safe Internet credit services for countless users.