1. It is understood that the "micro-e-loan" big data self-service loan is based on government data, online data, credit data, etc., and based on WeChat official account, it realizes online application, access, credit rating, review and approval, mobile banking self-service loan and self-service repayment, and innovatively realizes the "13 10" model.

2. Compared with traditional credit products, "micro-e-loan" has the following three advantages:

First of all, online credit loans enhance the customer experience. Borrowers initiate loan applications through WeChat and sign paper contracts without manual intervention. It is pure credit, unsecured and unsecured. It takes only a few minutes from applying for a loan to receiving funds, which greatly improves the efficiency of the loan. Second, the entry threshold is low, and inclusive finance is practiced. "Wei e loan" products are oriented to the public. As long as there is a stable source of income, you can apply for a loan of up to 300,000 yuan, which can be repaid at any time. Third, government data is secure and credit risk is controllable. Obtain reliable basic data sources from multiple departments through the Municipal Data Bureau, encrypt the data transmission process, ensure the security of data communication transmission, and organize third-party professional organizations to conduct safety assessments such as risk assessment and penetration testing. Vulnerability scanning to ensure the safe and reliable operation of the system.

1) The micro-credit loan of Weifang Agricultural Bank can also access seven interface data sources such as household registration, social security, provident fund, real estate, automobile, commerce and marriage to collect industry application data and judicial data. Main features: pure online products. Online lending has always been very popular. For users of short-term loans, online lending is more convenient.

2) As long as the borrower applies for micro-e loan online, the system will automatically evaluate it without guarantee. As long as the loan application conditions are met, it only takes a few minutes to operate the mobile phone from loan application to fund account. The application threshold is low. Most people can apply. There is no threshold limit. Nominally, it can be disposed of without assets. The maximum amount is 200,000 yuan. Can be used for one-time treatment and recycling. Apply anytime, anywhere. The system automatically audits, without manual intervention, and there is a demand for funds. Self-service loans can be applied at any time 24 hours a day, effectively improving the whole process service experience of self-service loans.