Small and micro enterprises have repeatedly suffered from the “first loan difficulty”, webank micro industry loan into a new way to break the situation

2022-06-12 0 By

Financing is a widespread problem for small and micro enterprises.And “the first loan is difficult, difficult to qingtian” is the key to financing headache of many small and micro enterprises.As the first loan often has the characteristics of “no mortgaged assets” and “no previous loan record of the bank”, it means that the unknown risks increase accordingly. How to reasonably meet the loan demand of the first loan has become the top priority to alleviate the difficulty of the first loan.The introduction of micro industry loan of Webank just provides new ideas for small and micro enterprises to understand the “first loan difficulty”.Webank micro industry loan relies on cutting-edge financial technology to reduce the “three high” costs at the bank end, resolve the structural contradiction between supply and demand, break the “difficulty of first loan” for small and micro enterprises and continuously improve the financing environment of small and micro enterprises by means of no collateral and a maximum amount of 3 million.Relevant research shows that once smes obtain the “first loan”, the availability rate of follow-up financing will be greatly improved.By reducing the difficulty of “first loan” for small and micro enterprises, Webank micro industry loan helps small and micro enterprises improve the success rate of “first loan”, thus helping to improve the fundamental problem of financing difficulty for small and micro enterprises.After more than 4 years of exploration, micro lending Banks micro industry is preliminary already have the ability to full service small micro enterprise, as of December 31, 2021, small Banks micro business loans have radiation 22 provinces, three autonomous regions, four municipalities directly under the central government, accumulated touch of small micro enterprise exceeds 270, the cumulative credit customer 89, accumulative total loan amount exceeds 1 trillion yuan.Enterprises with annual revenue of less than 10 million account for 80% of the total number of customers, and about 60% of the customers are first-time bank loans. In 2021, there will be more than 90,000 new first-time borrowers.It can be seen that in the face of the problem that small and micro enterprises often suffer from the “first loan difficulty”, webank micro industry loan has become a new way to break the situation.In the future, Webank will continue to innovate the financial service model to address the financing problems of small and micro enterprises, and strive to enable more small and micro enterprises to achieve benign and sustainable development with its help.