Inclusive finance has two meanings. From an academic point of view, as long as inclusive finance achieves effective financial services through equal opportunities, inclusive finance generally involves microfinance services and preferential subsidies. From the product point of view, there are many Internet loan products called inclusive finance, and the essence of such products is online loan products.
With the continuous development of the Internet age, we can directly apply for various loan businesses online, mainly Internet credit services. Credit service does not require users to have any collateral, and users can apply for relevant credit lines only by relying on personal credit information. Although inclusive finance is a very good concept, at present, inclusive finance products on the Internet are not conducive to users, and there are many routines.
1. What is inclusive finance?
Inclusive finance generally refers to the Internet credit products under the current Internet environment, and these credit products have two distribution channels. 1 channel is the formal channel of the bank, and the second channel is the offline lending institution. The bank's formal channels will strictly follow the user's personal credit information to approve the relevant quotas, and the application threshold is relatively high. Offline lending institutions do not have too high requirements for users. This kind of products are generally what we often call online loan products, and there are many routines, and the annualized comprehensive interest is also very high.
Second, inclusive finance is not so good in the literal sense.
As I said above, although inclusive finance's starting point is very good, when inclusive finance is applied to real life, we will find that many inclusive finance products have routine users. Some users will encounter the trap of routine loan and revolving loan when applying for online loan products. The annualized interest rate of loan products applied by users is also very high, which is generally maintained at around 20%, and some users will even come into contact with more than 30% usury products. For this reason, I suggest treating the current inclusive finance products with caution.
Is Ping An Pratt & Whitney an online loan?
Ping An Pratt & Whitney cannot be completely defined as online loan, because it is a member of China Ping An Group. The main business is to provide customers with loans, guarantees, consulting and other services.
Ping An Pratt & Whitney has many kinds of loans, most of which are mainly bank loans, but there are also some online loans, such as our common Ping An Pratt & Whitney I loan, which is an online loan product.
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Ping An Pratt & Whitney is the general name of the joint venture company of China Ping An Insurance (Group) Co., Ltd., which is engaged in financing guarantee, financing consultation, microfinance and other businesses. Assist small and micro business owners, individual industrial and commercial households and ordinary wage earners to obtain professional loan services, and help the development of China's real economy.
Ping An Pratt & Whitney is the general name of the joint venture company of China Ping An Insurance (Group) Co., Ltd., which is engaged in financing guarantee, financing consultation, microfinance and other businesses. Assist small and micro business owners, individual industrial and commercial households and ordinary wage earners to obtain professional loan services, and help the development of China's real economy.
After years of rapid development, Ping An Pratt & Whitney has grown into a professional model in terms of comprehensive strength and corporate governance: it has excellent international management team and rich experience in credit business management; Through innovative credit technologies such as face recognition, micro-expression, artificial intelligence technology and anti-fraud scanning, the risk management and control ability has been continuously improved, and the steady and leading risk management ability has also continuously optimized the asset risk performance; Diversified loan plan provides customized services for borrowers and high-quality loan choices for the general public; At the same time, the online application process and offline consulting services continuously improve the service experience.
At present, Ping An Pratt & Whitney business covers more than 300 cities across the country. The online remote team of more than 7,000 people provides professional consulting services for 7×24 hours, and has strong foreign business cooperation ability to build a loan ecosystem. It has served more than 1 1 10,000 customers and helped them obtain loans of more than10 billion yuan. Ping An Pratt & Whitney will continue to adhere to the four driving forces of customer inclusiveness, product inclusiveness, channel inclusiveness and social inclusiveness, and practice inclusive finance with the brand concept of "responsible finance and inclusive lending".
In the future, Ping An Pratt & Whitney will continue to strengthen the promotion of inclusive finance under the background of Ping An 3.0 era, and strive to help small and micro business owners, individual industrial and commercial households and ordinary wage earners obtain better loan services, and build the most trustworthy and preferred inclusive finance brand in the world.
Ping An Pratt & Whitney focuses on providing loan services to small and micro business owners and individual industrial and commercial households in inclusive finance. 90% of small and micro customers are "1050" (small and micro enterprises and individual industrial and commercial households with an annual income of less than1000,000 and less than 50 employees).