Micro-loan is a test product of Weizhong Bank under Tencent Group. Small loans do not need any fixed assets mortgage and guarantee, as long as they have a good credit record and repayment ability, they can be eligible to use small loans. The amount of micro-credit is determined according to personal credit information and repayment ability. Generally, the amount ranges from 5 million to 500 thousand, and interest is charged on a daily basis. The maximum daily interest rate shall not exceed 0.05%, and the interest on one-day borrowing 1 ten thousand yuan shall not exceed that of 5 yuan.
Tencent is an Internet enterprise, founded by Ma, Zhang Zhidong, Xu and Chen Yidan on June 5438+0998165438+1October * *, and it is one of the largest Internet integrated service providers in China.
Tencent Wealth Management is a professional wealth management platform launched by Tencent. Since it was launched on WeChat wallet in June, 20 14, it has adhered to the development concept of compliance, risk control, selection, innovation and stability, bringing a one-stop, high-quality, safe and convenient investment and financial management experience to hundreds of millions of users.
The accounts of all monetary funds held by users in Licaitong (except change pass and change financing) have the characteristics of enjoying income, being payable, being available at any time and being multi-purpose. After purchasing "Balance+",users can enjoy the income of combined money funds, and the total income is the combination of the income of all single money funds they hold. There is no restriction when using "Balance+"to purchase other wealth management products. At the same time, the "balance+"funds also support automatic credit card repayment, loan repayment, telephone charges and so on.
Mainly invest in "fixed income" assets that can continuously bring interest income, such as government bonds and financial bonds. It has the characteristics of long-term stable income, relatively low risk and rich term categories. Licaitong divides this kind of wealth management products into "stable products" and "stable products". The former is suitable for users with low income requirements and low risk preference, while the latter is suitable for users who pursue long-term stable income and have certain risk tolerance.
Financial products such as bonds and stocks, which mainly invest in the capital market, have the characteristics of relatively high returns, large short-term fluctuations and relatively high risks. Licaitong divides such financial products into "advanced entry products" and "income products". The former mainly invests in assets with low risk such as bonds, and some products add some other investment varieties, such as convertible bonds and stocks, so as to obtain higher returns under the premise of controlling risks. Most of the latter invest in the stock market, which is a high-risk and high-return category with the growth of the market or efforts to surpass the market performance.