Sure,

2. What loan is Qianhai Weizhong Bank?

Qianhai Weizhong Bank is not a loan, but a bank called Shenzhen Qianhai Weizhong Bank. It is a private bank established on 20 14, 12, 16. Mainly meet the needs of individuals or enterprises for small and micro loans. Use the internet platform to carry out business, and at the same time rely on the platform to cooperate with other financial institutions to carry out business.

Qianhai Weizhong Bank is headquartered in Shenzhen, and its main shareholders are well-known private enterprises such as Tencent, Baiyeyuan and Liye Group. The loan business launched by Qianhai Weizhong Bank includes micro-credit and micro-credit. Microfinance can be handled through WeChat, which has been used by many users.

Micro-loans can only be opened by invitation, and individuals cannot take the initiative to open them. If the user can't see the entrance of micro-loan in the background of WeChat, it means that the user is not qualified to open micro-loan, and some skills can be adopted.

Different users get different amounts of loans when they open small loans, and different users get different loan interest rates when they borrow. When using micro-credit loans, users can repay in installments, but when individuals have spare money, they can repay in advance, which can reduce interest expenses.

Version information: Take WeChat version 8.0.20, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.

3. Is Haiweizhong Bank Co., Ltd. a small loan company?

The company was established at 20 14 12 16 with a registered capital of RMB 4.2 million, and its registered address is Room 20 1, Block A, Qianwan 1st Road, Shenzhen Qianhai Shenzhen-Hong Kong Cooperation Zone (registered in Shenzhen Qianhai Business Secretary Co., Ltd.). Business premises: Shahe West Road, Nanshan District, Shenzhen City, Guangdong Province 1865438. The business scope includes general business items: the allowed business items are: absorbing public deposits, mainly deposits of individuals and small and micro enterprises; Mainly for individuals and small and micro enterprises to issue short-term, medium-term and long-term loans; Handle domestic and international settlement; Handle bill acceptance and discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Engaged in bank card business; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Fund sales; Other businesses approved by the banking regulatory agency and relevant departments. Shenzhen Qianhai Weizhong Bank Co., Ltd. is not a small loan company.

Fourth, the deposit interest rate of Qianhai Weizhong Bank

At present, Weizhong Bank has three kinds of deposit products, namely smart deposit, large deposit certificate and time deposit. For smart deposits, the annual interest rate is 1.2% within 7 days, 2% within 7 days to 2 years, 3. 15% within 2 years to 3 years, 4. 125% within 3 years to 5 years, and 4.5% for 5 years and above. Therefore, users deposit 10000 yuan, with daily interest of 0.33 yuan within 7 days, 7 days to 2 years in 0.6 yuan, 2 years to 3 years in 3 15 yuan, 3 years to 5 years in 4 12.5 yuan, and more than 5 years in 450 yuan.

Weizhong Bank:

First of all, Weizhong Bank is a private Internet bank. Secondly, it was founded by many well-known enterprises such as Tencent, Baiyeyuan and Liye, and obtained the financial license issued by Shenzhen Banking Regulatory Bureau in February 20 14. Safety is guaranteed. In addition, Weizhong Bank strictly abides by national financial laws, regulations and regulatory policies, and provides differentiated, characteristic, high-quality and convenient financial services to the public on the basis of compliant operation and steady development.

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.

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.