In the two giants of Internet banking, Weizhong Bank and Online Banking, all their products are basically targets, so the target of micro-loans is online business loans.
1. Compared with personal bank loans of traditional banks, microfinance has made many innovations to borrowers and products. Borrowing a few days to calculate interest for a few days should be the biggest innovation. Many traditional bank personal loans are fixed-term loans, that is to say, the loan term is fixed and the loan amount is fixed, and early repayment or partial repayment is not supported. At this point, we still have to praise micro-loans.
2. Although the invitation system is still adopted for micro-loans, people who are not invited are not eligible for loans. But once invited, you can get fast and convenient credit and loan services at any time. In other words, when the borrower wants to use the money, he can get the money quickly by clicking the APP directly. Moreover, with the increase of service usage on WeChat and the increase of credit coefficient, the credit limit will be automatically increased in the background of APP.
The borrower enjoys flexibility and high efficiency, so he can't be strict with the interest rate. In the past, the daily interest rate of micro-credit loans was between 20,000 and 25,000, and the highest interest rate would not exceed 12% compared with the personal credit loans of traditional banks, and the upper interest rate was still relatively high. However, microfinance is also good at marketing, and it is constantly publicized that with the better credit, the interest rate will be lower and lower in the future. ?
In short, borrowing is a good thing for borrowers, which is better than borrowing from those online lending platforms. At the same time, I would like to remind everyone that those who teach people to forcibly open the micro-loan quota and forcibly increase the micro-loan quota on the Internet are basically deceptive. The purpose is to cheat your personal information and sell it to other online lending platforms for marketing. ?