However, since the introduction of micro-loans, the official invitation system has been adopted, and you can't open it if you want. Because most users don't know much about this mechanism, this gives fraudsters an opportunity, and there have been many frauds of "opening small loans on behalf of others".
However, this time it is indeed the "official invitation" of Weizhong Bank. In order to enhance the diffusion effect, Weizhong Bank adopted the simple and rude game of "sharing fission".
Receive a red envelope after the invitation is successful.
However, even if the quota is not obtained, it will not affect users to generate their own exclusive invitation code and continue to spread in the circle of friends and WeChat group. This is also the essence of the "share fission" game.
In fact, this is not the first time that microfinance has carried out such activities. In an activity on 20 18, micro-loans were distributed to both parties who passed the "successful invitation and opened it". After receiving a certain number of invitations, the red envelope can be doubled. In short, the purpose of such activities is the same, but the rules are different.
Interestingly, on the evening of 27th, due to too many people sharing, the activity page was once flooded and could not be opened. On the 28th, the author scanned the code again and found that the activity page had completely stopped visiting, and was complained by many people for including induced sharing.
There is little data disclosure about the scale and users of microfinance. According to the data, by the end of June 2009, there were about 24.92 million microfinance users. It can be seen that compared with the massive users of WeChat, the scale of micro-loan users is not large.
As a personal credit product, microfinance provides credit for low-and middle-income people who are not covered by traditional financial institutions. The 20 18 report of Weizhong bank (20 19 has not been released yet) shows that 80% of microfinance customers have college education or below, and 76% of them are engaged in blue-collar service industry or manufacturing industry. At the same time, more than 72% of individual loan customers have a single loan cost of less than 100 yuan.
By the end of 2065438+2008, Weizhong Bank had carried out micro-loan "joint loan" financial poverty alleviation projects in 29 national and provincial poverty-stricken counties such as Chongqing, Guangxi and Henan, and granted loans of more than 50 billion yuan to poverty-stricken areas. The so-called "joint loan" refers to the loan form that Weizhong Bank, as a connecting platform, opens small loans to other commercial banks.
In 20 18, the balance of loans managed by Weizhong Bank exceeded 300 billion yuan, and the balance of on-balance-sheet loans was 1 198 billion yuan, an increase of 15 1% compared with the beginning of 20 18, and the NPL ratio was only 0.5/. Of course, this scale also includes products for enterprise users, such as small and micro industry loans.
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