As the first Internet bank in China, Weizhong Bank has been adhering to the mission of "making finance inclusive" since its establishment, and has formulated the financial technology strategy of "ABCD" (artificial intelligence, blockchain, cloud computing, big data). Shortly after the establishment of Shenzhen Credit Bureau, Weizhong Bank took the lead in cooperating with Shenzhen Credit Bureau. The two sides complement each other's advantages, and * * * has contributed to solving the problem of "difficult, expensive and slow financing" for small and medium-sized enterprises in Shenzhen.
At present, the cooperation between the two sides has achieved initial results. Since the official launch of 5438+ 10 in June, 2023, as of mid-May, Shenzhen Credit Bureau has helped Weizhong Bank to provide credit to nearly 1500 enterprises in Shenzhen, of which 97% are small and micro enterprises, with a cumulative credit amount of 2.6 billion yuan, all of which are credit loans, which has continuously injected "financial living water" into the development of small and medium-sized enterprises in Shenzhen.
Integrate government information, take root in Pengcheng and support Xiao Wei.
Shenzhen Credit Bureau was established by Shenzhen Central Sub-branch of China People's Bank, Shenzhen Municipal Market Supervision Bureau, Shenzhen Municipal Government Service Data Bureau, Shenzhen Local Financial Supervision Bureau and Shenzhen Banking Supervision Bureau. At present, it is the only enterprise credit information platform with state-owned background in Shenzhen, and it has achieved fruitful results in government data integration. Credit investigation in Shenzhen not only makes it possible to access key government data, but also solves the problems of difficult docking and low efficiency caused by data scattered in different institutions.
Weizhong Bank has always been committed to serving the real economy. At the end of 20 17, they launched the first online liquidity loan for unsecured enterprises in China-"micro-industry loan", which integrated big data risk control, digital marketing, internet product design and internet technology into a set of solutions, broke through the "last mile" of financing difficulties for small and micro enterprises, effectively lowered the threshold for small and micro enterprises to obtain financing services, and enabled small and micro enterprises scattered all over the country to obtain high-quality and efficient financial services anytime and anywhere. By 2002 1, 65438+February, 3 1, micro-industrial loans of Weizhong Bank had spread all over 22 provinces, 3 autonomous regions and 4 municipalities directly under the central government, covering over 2.7 million micro-enterprises and 890,000 credit customers, with loans exceeding1trillion yuan. Enterprises with annual operating income below 6.5438+million account for 80% of total customers, of which about 60% are getting bank loans for the first time. In 202 1 year, more than 90,000 new families received loans for the first time.
Shenzhen Credit Information takes root in Pengcheng and cultivates local data. At present, Shenzhen Credit Information has integrated the government data of industry and commerce, social security, high-tech qualifications and so on 1 1, which is very helpful for banks to better serve local enterprises in Shenzhen. Taking social security data as an example, the enterprise digital segments of other data sources often have problems of untimely updating and insufficient data granularity, which leads to a certain proportion of customers needing to manually supplement records to correctly classify them; The social security number interface of Shenzhen Credit Information solves the pain points in these two aspects, which is very helpful for banks to realize online accurate classification of enterprises. It can not only improve customer experience and reduce manual input, but more importantly, implement the national "precision drip irrigation" policy to help small and micro enterprises.
By collecting and integrating the rich data of local enterprises in Shenzhen, Shenzhen Credit Information enables banks to evaluate enterprises from a wider dimension and a more detailed perspective. By opening up high-tech qualification data, we will promote the introduction of audit financial reports, which will provide strong support for Weizhong Bank to serve local technology enterprises in Shenzhen and help build a technology capital.
Among the many enterprises served by Weizhong Bank, Shenzhen Yisi Tengda Integration Co., Ltd. is a company specializing in chip distribution and a national high-tech enterprise in Shenzhen. Due to the difference between upstream and downstream accounting periods, the company has a great demand for funds. However, due to the need for mortgage, the application process is inconvenient and the payment period is not flexible, which has already faced financing difficulties. With the help of the data of Shenzhen Credit Information Service Platform, the person in charge of the enterprise applied for a micro-credit technology innovation loan through mobile phone operation.
"There is no need to provide any paper materials or mortgages. The whole process only took a few seconds. Smooth operation and good experience. The rapid arrival of loans has strongly supported the work of enterprises. Thanks to Shenzhen Credit Information and Weizhong Bank, they really think about our small and micro enterprises and help us solve the financing problem. " The person in charge of the company said.
Continue to be pragmatic and efficient, and lead the data infrastructure in the Bay Area.
Yuan, deputy general manager of enterprise market and innovation business department of Weizhong Bank, mentioned three key words when referring to the future development of Shenzhen Credit Information: "richness", "innovation" and "link". She hopes that Shenzhen Credit Bureau will go further in mining local data and make new breakthroughs in the data of "74" local financial institutions and government procurement. At the same time, it is hoped that Shenzhen Credit Information will explore how to give full play to data productivity under the premise of protecting data privacy, make innovative attempts in privacy computing, federal learning, blockchain technology and other fields, and explore how to realize the legal and compliant flow of data under the framework of "personal information portability". Finally, I hope the Shenzhen Stock Exchange can actively lead the construction of data infrastructure in Greater Bay Area and promote the interconnection and development of Greater Bay Area based on Pengcheng.
In the future, the two sides will continue to release data productivity through innovative financial technology, continue to inject financial living water into small and micro enterprises, and escort the real economy.
Related Questions and Answers: Related Questions and Answers: Where can I get a loan for credit reporting? In 2020, there are still many people who have no money to go home for the New Year, but their credit information is more expensive. Where to borrow money has become an urgent problem for them. In fact, there are still many channels to borrow money for credit investigation. To avoid hitting the wall, here are some simple ones.
1, credit card
There are two ways to borrow money, one is to borrow money within the credit card limit, the other is to borrow money outside the credit card limit.
1) Borrowing money within the credit card limit means lending the money in the credit card. Credit card withdrawal is not recommended here. It is not cost-effective to withdraw cash from a credit card and calculate interest on a daily basis, and to borrow money in the current month and repay it in full next month. The repayment pressure is also great. However, you can apply for cash installment, transfer the money to the bank card, and then repay it monthly, which is relatively less stressful, but it also leads to some handling fees.
2) The loan exceeds the credit card quota, and many banks have launched independent cash installment products for credit card holders, such as e-loan of China Merchants Bank, Minsheng Guole installment, CITIC New Express and so on. It is similar to credit card cash installment except that it does not occupy credit card quota.
2. Credit online loan
Handle some low-threshold credit loans. The biggest characteristics of this kind of online loan are low threshold, easy application, fast loan, installment repayment and low repayment pressure.
For example, we are familiar with borrowing treasures, JD.COM gold bars and 360 IOUs, all of which are relatively easy to borrow money, and the requirements for credit reporting are not very high. As long as the credit investigation is not overdue, there is a chance of repayment, provided that the lender has certain repayment ability.
3. Mortgage loan
If the lender owns the ownership of gold, funds, stocks, securities, cars, houses and other assets, he can apply for mortgage loans, which is also a good way of loan credit investigation.
But mortgage loan is more troublesome and complicated than credit loan. Be sure to evaluate your repayment ability before handling it. Otherwise, if the loan is unable to repay, it will inevitably face the risk that the collateral will be confiscated.
Summary: The above are the easier channels for loan credit reporting in 2020. However, it should be reminded that except for mortgage loans, the loan amount of other channels may not be very high, ranging from thousands to tens of thousands. The specific amount mainly depends on the applicant's credit situation.