; ? Weizhong Bank funded by Tencent has many loan products, including micro-loans, micro-car loans and small and micro-enterprise loans specifically for small and medium-sized enterprises. Today, I will introduce the loan conditions and handling procedures of Weizhong Bank for small and micro enterprises.
First, small and micro enterprises loan application methods
Now you can apply for small and micro enterprise loans in several ways:
1. Pay attention to the official WeChat account of "Weizhong Bank Corporate Finance";
2. Download Weizhong Bank APP；;
3. Enter Weizhong Bank official website and click Corporate Finance on the homepage.
2. Where can customers apply for small and micro enterprise loans?
At present, only Guangdong, Jiangsu and Hunan provinces have been opened, and other cities are gradually opening up.
Third, Weizhong Bank's loan application process for small and micro enterprises
1, register
2. Sign a credit authorization agreement to authorize Weizhong Bank to inquire about credit records;
3. Signing the Power of Attorney for Data Use will authorize Weizhong Bank and its partners to inquire about corporate tax information;
4. After the enterprise certification is completed, it is necessary to certify the name, ID number and contact information of the legal representative;
5. The legal representative of the enterprise needs to sign the Power of Attorney for Personal Information Use, the Power of Attorney for Personal Credit Information and the Guarantee Contract;
6. Wait for the audit of Weizhong Bank after submission, and it will be received within 30 minutes at the earliest.
What are the conditions for Weizhong Bank's loan?
The following conditions are required:
The Interim Measures for the Administration of Personal Loans have corresponding provisions:
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Extended data:
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Relevant laws of the Interim Measures for the Administration of Personal Loans:
Article 35 When a bank conducts online banking, the board of directors and senior management of the bank shall, in accordance with relevant laws and regulations, formulate the development strategy and operational safety strategy of online banking, and formulate and implement a comprehensive, comprehensive and systematic business management system.
If a city commercial bank needs to increase the variety of online banking services, it should be reported by its head office to the local branch and business management department of China People's Bank for review. When banks apply for new online banking services, they implement two systems: approval system and filing system.
Article 36 A bank shall establish a reporting system for major events in the operation of online banking, and timely report to the regulatory authorities major events in the operation of online banking, such as major leaks, hacker attacks, website renaming, etc.
Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans
Application conditions of loan for small and micro enterprises of Weizhong Bank
1. Open the "Me" interface on WeChat and select the "Wallet" option.
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2. Go to the "wallet" window, find the "micro-loan to borrow money" button, and click Enter.
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You will jump to a new page. After checking and agreeing to the relevant agreement, just click "Get Quota".
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4. The next step is to "authenticate", which is actually to enter the payment password you set on WeChat.
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5. In this way, the borrowing function of micro-loan can be realized, that is, click the "Borrow" button and select the loan amount according to the loanable amount.
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Weizhong bank loan application conditions
The application conditions for micro-enterprise loans of Weizhong Bank mainly include the following points:
1. The age is above 18 years old (inclusive) and he holds a Chinese mainland resident identity card;
2 is the legal representative of the enterprise;
3 enterprises operating well, stable income, the ability to repay the principal and interest of loans on schedule;
4. The enterprise and the business owner have a good reputation, and there are no bad credit records and serious negative information in the credit report.
General taxpayer enterprises, small-scale taxpayer enterprises and individual industrial and commercial households can apply for micro-enterprise loans. However, we also need to note that microfinance is not open to the whole country. For the time being, only Hunan, Guangdong, Zhejiang, Jiangsu, Henan, Hebei, Jiangxi, Anhui, Fujian, Sichuan, Guangxi, Shandong, Shanxi, Hubei, Shaanxi, Liaoning, Yunnan, Hainan, Tianjin and Chongqing are within the scope of application, and the remaining provinces and cities are still being opened (the specific supporting cities are subject to the application EPAPP). If customers want to apply, they can directly log in to the enterprises and enterprises of Weizhong Bank.
The main products of Weizhong Bank:
Weizhong Bank has successively launched micro-loans, micro-loans, micro-car loans, Weizhong Bank App, Weizhong Enterprise Aipu App, Goose Spend Money, We2000 and so on. In the three major business sectors of public bank, direct banking and scene banking.
1. Microfinance
The micro-credit product "micro-loan" launched by Weizhong Bank has issued 460 million loans to more than 28 million customers in nearly 600 cities in 3/kloc-0 provinces, municipalities and autonomous regions, with a total loan of more than 3.7 trillion yuan. About 77% of "micro-loan" credit customers are engaged in non-white-collar service industry, and about 80% are college graduates or below; The average loan is about 8,000 yuan, and the interest on more than 70% of the settled loans is less than 100 yuan.
2. Microfinance
Weizhong Bank launched China's first online unsecured corporate liquidity loan product-Weizhong Industrial Loan. More than 70% of microfinance customers are manufacturing, wholesale and retail and high-tech industries, and more than 60% of enterprises have obtained bank corporate loans for the first time. Micro-credit services for small and micro enterprises have more than 65.438+0.7 million corporate customers, with accumulated loans of nearly 400 billion yuan, indirectly supporting nearly 4 million people's employment. From June 20438 to October 2020 10, Weizhong Bank further upgraded its corporate financial service brand to "Weizhong Enterprise+"on the basis of micro-loans, serving the financial and non-financial needs of small and micro enterprises and building a full-link business service ecosystem.