1. Microfinance is a bank microfinance product, not an online loan. Although granular loans are also online loan products, the whole application process is completed online, which is similar to online loans. However, micro-loan products are issued by Weizhong Bank, and the Internet private bank established by the bank led by Tencent Committee is not a small loan company, so micro-loan belongs to bank loans.

2. In addition, small loans are connected to the central bank's credit information system. After the user applies for a loan, the repayment record will also be reported to the credit bureau.

3. "Micro-loan" is a pure online micro-credit revolving consumer loan, which is the product of WeChat users and mobile QQ users launched by Bank Weizhong and the first online banking in China. On September 20 15, it was launched on mobile QQ, and on WeChat in May 20 15.

4. "Micro-loan" adopts user invitation system. At present, invited users can see the entrance of "micro-loan" in the QQ wallet of mobile QQ and WeChat Pay, and get a loan amount of up to 200,000 yuan.

1. Weizhong Bank launched online banking loan products, and "micro-loan" has the following characteristics:

(1) is unsecured and unsafe; Personal loans provided by most traditional financial institutions require borrowers to provide guarantees, such as mortgage loans. It is difficult for individual users who cannot provide guarantee or have no fixed assets under their names to get loans. "Small loan" does not need mortgage and guarantee, and does not need to submit any paper materials, so it can better meet the needs of users with good credit.

(2)7 * 24 hours service, the fastest 1 minute, complete the loan;

Relying on strict risk control system and complete technical support system, "micro-loan" provides 7 * 24 hours online service, which is convenient and fast. All processes are completed on the mobile phone, and the loan will be received within 40 seconds at the earliest.

(3) For prepayment, no service charge is charged;

2. The repayment date that most traditional financial institutions require users to repay. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the regular default withholding repayment, "micro-loan" also supports users to solve problems at any time, and the loan does not charge any other extra fees.

3. At present, the credit lines of "micro-loans" to users are 654.38+000 billion yuan and 200,000 yuan, which are different according to the individual's comprehensive situation. A single loan can be 6,543,800+0,000-40,000 yuan.

4. The daily interest rate is 0.02%-0.05%, and the interest of 10000 yuan is 2-5 yuan per day.