In terms of asset quality, by the end of 2020, the bank's non-performing loan ratio was 65,438+0.20%, down 0.04 percentage points from the beginning of the year; The provision coverage ratio is 43 1.26%.
"We have taken a series of measures to reduce prices and profits. The loan interest rate of inclusive small and micro enterprises has dropped significantly for three consecutive years, and will drop by 1.35 percentage points in 2020 compared with the previous year. " The bank mentioned in its annual report.
In addition, the annual report data shows that the number of effective individual customers of the bank has exceeded 270 million; There were 65,438+new "first loan customers" in the whole year, of which more than 60% corporate customers obtained bank loans for the first time; In the total cost of corporate customers, interest costs account for less than five thousandths.
The annual report also mentioned the situation of the bank's fist product "micro-loan". By the end of 2020, "micro-loan" customers have covered more than 560 cities in 3/kloc-0 provinces (cities, districts) nationwide; About 80% of the loan customers have bachelor degree or below, and about 78% are engaged in non-white-collar service industry or manufacturing industry; The average loan is only 8,000 yuan, and about 70% of the total loan cost is lower than 100 yuan because of short-term and daily interest.
Related Q&A: Can Weizhong Bank get a second loan? Weizhong bank loan process? Weizhong Bank can get a second loan. Weizhong Bank Loan Process: Open Weizhong Bank app on the mobile phone, and the legal representative will apply for Wechat business loan in Weizhong Bank APP to apply for credit, or the financial controller will apply for Wechat business loan and invite the legal representative to authorize the application for credit after completing the enterprise and individual identity verification. After the enterprise obtains the credit line, it completes the registration, and the legal representative and relevant financial contacts can log in to micro-loan to apply for a loan. Operating environment: Redmi 10x, MIUI 12.5.7, and Weizhong Bank app6. 1.0. Weizhong Bank officially opened in 20 14, and it is the first private bank and internet bank in China. Weizhong Bank focuses on providing better and more convenient financial services for small and micro enterprises and the general public, exploring new modes and methods of using financial technology to practice inclusive finance and serve the real economy, adhering to legal compliance and strictly controlling risks. 2. Weizhong Bank has successively launched micro-loans, micro-loans, micro-car loans, Weizhong Bank App, Weizhong Enterprise Aipu App, Goose Spend, We2000 and other products, serving more than 250 million individual customers and more than 6.5438+0.7 million corporate customers. 3. Weizhong Bank made technical breakthroughs in the research and use of the underlying algorithms of key core technologies such as blockchain, artificial intelligence, big data and cloud computing, and became the first commercial bank in China to be recognized as a national high-tech enterprise in 20 17. 4. Weizhong Bank ranks among the top 100 banks in China, and international rating agencies Moody's and Standard & Poor's give Weizhong Bank "A3" and "BBB+" ratings respectively. Forrester, an internationally renowned independent research company, defines Weizhong Bank as "the world's leading digital bank". Second, the main product of Weizhong Bank is 1. Micro-loan Micro-loan is a micro-credit product launched by Weizhong Bank, which has distributed 460 million customers to nearly 600 cities in 3/kloc-0 provinces, municipalities and autonomous regions nationwide. 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. Micro-loan Weizhong Bank launched the first online unsecured corporate liquidity loan product in China-micro-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 have more than 65.438+07,000 corporate customers in small and micro enterprises, with accumulated loans of nearly 400 billion yuan, indirectly supporting nearly 4 million people to obtain 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.