According to relevant data, thoughtful loans are still relatively reliable. The "considerate loan" business of rural commercial banks is a credit consumption loan handled by mobile phones. The whole process is automatically calculated and approved by the system, which improves the efficiency of loan approval, eliminates manual intervention in the loan approval process and reduces the errors caused by manual operation. The "second batch" and "second loan" loans have been realized, the loan approval and risk prevention capabilities have been greatly improved, and the customer experience has been effectively improved. Relying on the support of technology and database, we can customize "intimate loan" service for different customers by subdividing the characteristics and needs of customer groups and combining risk management.

I. Xiangcheng: Rural Commercial Bank held the product launch conference of "considerate loan".

"considerate loan" is a personal fast loan product created by urban rural commercial bank based on the government affairs data, credit data and system data of residents within its jurisdiction. When a customer applies for a loan by scanning the QR code of the marketer through WeChat, he only needs to hold his ID card, authenticate his identity through the mobile phone camera, fill in the basic loan application materials and submit the loan application. The whole process can be completed within 3 minutes at the earliest. After the customer gets the credit result, he only needs to operate on the mobile banking.

Second, the benefits of loan consumption.

Loans can ease the financial pressure. Whether you buy a car or a house, you need to pay a large sum of money at one time, and you don't need a loan. Although this meets the consumer demand to a certain extent, it also brings economic and psychological pressure that cannot be ignored. And there is no deposit at home, so you can't get the money at once if you need it urgently, which will bring some trouble to users. Loans can effectively alleviate the payment pressure of users in a certain period of time and make users' lives easier.

To sum up, by using loans, you can also use more money to meet unexpected needs in your life, instead of being overwhelmed and short of money when an emergency comes. In the daily life of users, whether it is car loan, mortgage loan, consumer loan or student loan.