According to the relevant person in charge of ICBC, "ICBC Financial E-Loan" can be handled through all online channels, such as mobile phones, computers and mobile terminals, from application to lending. Online real-time inquiry can be made on whether the loan can be processed and whether the loanable amount can be received in real time as soon as possible, so as to realize the organic integration of "consumer finance Internet" and create an Internet operation mode of online self-help, automatic business processing and accurate risk monitoring.
"ICBC financing e-loan" has the following characteristics: First, the price is low, the loan is 1 000 yuan, and the daily interest rate is about 1 yuan, which is lower than the interest rate of similar loans in the market. Second, the term is long, the longest loan is 5 years, and the longest grace period is 12 months. Third, customers can get online one-click loans through online banking or mobile banking. Fourth, repayment is more flexible. Customers can choose four repayment methods, such as matching principal and interest, average capital, one-time repayment of principal and interest by installments and one-time repayment of principal and interest, to better meet the multi-level and diversified consumer financing needs of different groups.
In terms of risk control, "ICBC Financial E-Loan" relies on the long-term accumulated credit management experience and professional team of ICBC to conduct risk control investigation on all customers and credit assets of the Group, especially with the massive data of 654.38 billion credit cards and 2.48 million online and offline merchants deposited in the payment chain during the 30-year business development, and uses the method of "data model" to realize customer access, credit granting, lending, monitoring and collection management.
It is understood that at present, there are 47 million white list customers of ICBC's personal credit consumption loans, with an active credit of 2.7 trillion yuan and an average credit of 58,000 yuan. The personal credit consumer loan brand Rong E Loan launched this time, together with Rong E Bank, Rong E Lian and Rong E Purchase previously launched by ICBC, has formed four major layouts in Internet finance.
"At present, the risk control technology has matured and the middle class has risen. Now it is time to try some unsecured and unsecured microfinance business. " A consumer finance company thinks so.
As far as commercial banks are concerned, engaging in consumer finance business is generally a card-based business extended by credit cards, and trying various consumption scenarios such as "co-branded cards". However, credit cards have many regulatory restrictions. Commercial banks engage in consumer finance, one is to set up consumer finance companies, and the other is to engage in small loans.
Most of these consumer finance companies are led by banks and cooperate with local industrial chain enterprises, especially internet enterprises, in order to cut into the consumption scene. In the way of borrowing, it is characterized by "no mortgage, no guarantee", "small amount of dispersion" and low-and middle-income people.
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