With the support of Ping An Pratt & Whitney. Whitney's "car e loan", Mr. Song's orchard is getting better and better.
Affected by repeated epidemics, complex and uncertain external environment and other factors, enterprises with operational difficulties in some industries have increased. Among them, small and micro enterprises are more vulnerable to the market environment because of their small scale, short operating cycle and tight cash flow. In order to improve the supply of financial services for small and micro enterprises, Ping An Pratt & Whitney; Whitney Sichuan Branch upgraded its products, strengthened its services and took practical measures to solve the financing problems of small and micro enterprises.
Science and technology empowerment loosens small and micro financing in Sichuan.
"Difficult first loan" is a common problem of many small and micro enterprises in the initial stage. For investors, small and micro enterprises are weak and have high operational risks. Under the pressure of bad debt control and management, they often have strict approval or low credit limit; For small and micro business owners, lack of financial knowledge, lack of capital planning, lack of collateral or lack of credit information, resulting in their failure to meet the deadline and quota when they need loan turnover. Ping An uses technology to upgrade products, raise fees and reduce fees, and simplify processes, so that small and micro customers who are first exposed to loan services can quickly obtain satisfactory funds.
Teacher Song, who runs an orchard in Hejiang County, Luzhou City, was a construction worker in Guangdong two years ago. At the beginning of 2020, he returned to his hometown to make a living. However, the problems of age and education make it extremely difficult for Mr. Song to find a job. After repeated comparisons, he decided to run his own orchard and plant Hejiang litchi, a specialty of his hometown.
Hejiang litchi is a specialty of Luzhou, Sichuan, and varieties such as "Lv Dai" and "Feizixiao" sell well every year. Teacher Song's orchard has been built. Having tasted the sweetness of the first year of operation, he wants to expand the orchard, but it is difficult to raise funds. Teacher Song has never been exposed to loans, and there are not many valuable collateral at home. He has only been opening an orchard for a year, and his business qualification is not a "hard drive". After several banks failed to apply, Mr. Song found Ping An Pratt & Whitney, a financing institution serving small and micro enterprises, through the introduction of friends.
To Mr. Song's surprise, the loan processing process was very smooth. He thought he needed to submit information before and after running, but he didn't expect that the funds would arrive in two hours only by online operation through mobile phones. "Thank you very much for Ping An Pratt & Whitney. Whitney. With money, the orchard will get better and better. It has always been my dream to have my own career in my hometown. " After the funds were credited, Teacher Song said excitedly.
It is understood that Ping An Pratt & Whitney; Whitney has been focusing on exploring all kinds of long-tail microfinance for many years, and improving financing services through technology authorization. Take the new "car e-loan" applied by Mr. Song as an example. In terms of product innovation, by using cutting-edge data analysis and AI technology, customers can obtain a loan amount far higher than the car valuation; In terms of process experience, on the basis of the original excellent experience of "full-line application, no pledge and no GPS installation", we will continue to simplify the process. Many customers can even avoid remote video interviews, and the timeliness is faster.
In 2023, Ping An Pratt & Whitney; Whitney launched the innovative "one-stop" financing service "Land Account Office" through technological innovation. It is understood that this product is the first to let customers apply first, and choose the financing service plan according to the financing amount and cost obtained from the preliminary evaluation, which is not blind and more intuitive; Secondly, it is more convenient to apply for multiple financing service plans through the applicant.
It is understood that Ping An Pratt & Whitney; Whitney's microfinance support measures are mainly "fee reduction", and the whole line is overweight. Take Ping An Pratt & Whitney as an example. Take Whitney's unsecured microfinance program "micro-enterprise loan" as an example. Small and micro business owners can get up to 6,543,800 yuan of unsecured financing, and eligible small and micro business owners can enjoy lower annualized cost or reduce the comprehensive annualized cost of the first three phases by 2%. If the demand for funds is high, small and micro business owners can obtain the maximum loan amount of100000 yuan by applying for the real estate mortgage financing scheme "Home E Loan". Those who meet the requirements can enjoy the maximum reduction of 7.9% for the first three comprehensive annualized fees.
The second measure is to extend the repayment period. All financing service plans can be repaid within five years. For example, the repayment period of "micro-business loan" is extended to five years at the longest, and the monthly repayment pressure is lower.
The third measure is to exempt the service fee difference compensation after the minimum repayment of two installments. Small and micro business owners seeking short-term capital turnover have no burden in early settlement, more flexible turnover and controllable total cost of capital use.
The fourth measure is to increase the amount of financing and the approval rate. Ping An's financing service plan has introduced more automatic qualification certification and upgrading, and tapped the credit potential of small and micro business owners through multidimensional data combining individuals and enterprises to enhance the sense of availability of financing services.
The fifth measure is to expand the coverage of various preferential measures, lower the threshold, and benefit more small and micro business owners.
Head of Pratt & Whitney; Whitney Sichuan Branch said that at present, some small and micro enterprises have difficulties in operation, and the company uses financial "blood transfusion" to prescribe the right medicine and goes all out to help small and micro enterprise owners solve the most urgent and pressing problems at present. In the next step, the company will continue to implement the financing service policy, increase support for small and micro business owners from two aspects of financial services and business assistance, promote the resumption of production and stable production of enterprises, ensure that small and micro enterprises steadily "climb over the hill" and boost development confidence.
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