"Zijin Micro-E Loan" is one of the new loan "star" products of Zijin Rural Commercial Bank. It was officially put into operation in September 2020. As of June 5438+February 3 1, there were 4,850 e-loan applications from Zijin Micro, with a total credit of 200.75 million yuan, a total credit of133.92 million yuan and a loan balance of 6.5442.

Customer groups are mainly aimed at individual industrial and commercial households, small and micro enterprises and consumer customers with high credit status in Nanjing. The first two categories require customers to have a fixed business place, engage in production and business activities and have a business history of more than 1 year, with operating income as the main source of repayment. Zijin Micro-E Loan is a micro-credit loan product for enterprises or consumer customers, featuring "online+offline" and "big data risk control and model approval".